SAIF SECURITIZATION TRUST 2025-CES1 ABS-15G
Exhibit 99.2 - Schedule 2
| LoanRecordID | Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? |
| 393036 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 370278 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 370289 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 385442 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 405645 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM2562 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-XX/XX/XXXX - received initial LE with servicer intent verbiage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided an Initial Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received initial LE with servicer intent verbiage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405645 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - received initial LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial LE issued on XX/XX/XXXX, per the Disclosure Tracking Summary (pg.XXXX/XXX). Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received initial LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405645 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received initial CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg.XXXX/XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received initial CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405645 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Initial LE is missing. This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i)). The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 405645 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). The Initial LE is missing. This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii)). The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 405645 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 405645 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. We have uploaded the final CD. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. We have uploaded the final CD. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 450771 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1146 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received final title ALTA policy - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is incomplete or only partially present The O&E provided does not include an attached E&O. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received final title ALTA policy - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 450771 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM0018 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received evidence of borrower receipt of appriasal - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal . - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received evidence of borrower receipt of appriasal - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 450771 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - ICD provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg.XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - ICD provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 450771 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Cure provided with FCD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Good afternoon-is this cleared since in the History it states"Your total tolerance violation is $XX.XX. The Final CD reflected a tolerance cure of $XXX.XX which resolved this tolerance violation." - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Credit Report Fee increased from $XX to $XXX.XX from the XXXeline LE to the Final CD without a written COC, the cure for this X% tolerance variance is $XX.XX. This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i)). The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX. The Final CD reflected a tolerance cure of $XXX.XX which resolved this tolerance violation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Good afternoon-is this cleared since in the History it states"Your total tolerance violation is $XX.XX. The Final CD reflected a tolerance cure of $XXX.XX which resolved this tolerance violation." - Seller-XX/XX/XXXX |
Resolved-Cure provided with FCD - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 450771 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-47 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with disb date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Loan disbursed on XX/XX/XXXX, the ROR cancel date is XX/XX/XXXX, borrower was not provided X days to rescind. Provide corrective PCCD - Due Diligence Vendor-XX/XX/XXXX Open-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 XXX 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. Missing a PCCD reflecting revised closing and disbursement dates. The Final CD reflects a closing date of XX/XX/XXXX and disbursement date of XX/XX/XXXX, however the borrower did not consummate the loan until XX/XX/XXXX. 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 XXX 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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with disb date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 646690 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 474294 | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fema inspection uploaded. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fema inspection uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497326 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1233 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - final XXXX signed by the borrower was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - XXXX provided is not executed by the borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final XXXX is Incomplete Missing the complete Final XXXX, only pages X and X were found in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - final XXXX signed by the borrower was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497326 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received paystubs for periods ending XX/XX/XXXX and XX/XX/XXXX. Paystubs in file end XX/XX/XXXX and XX/XX/XXXX. Borrower LOE states: "I am a contractor, and I work for different companies at various times of the year. When the job ends, I do the same kind of work for a different company. Reason for multiple jobs at a time: As I stated, I am a contractor and most jobs last from one to three months at a time. And if that company don’t have work I go to the next company. Note: I am employed by all of these companies. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Borrower is paid weekly and only two paystubs were provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received paystubs for periods ending XX/XX/XXXX and XX/XX/XXXX. Paystubs in file end XX/XX/XXXX and XX/XX/XXXX. Borrower LOE states: "I am a contractor, and I work for different companies at various times of the year. When the job ends, I do the same kind of work for a different company. Reason for multiple jobs at a time: As I stated, I am a contractor and most jobs last from one to three months at a time. And if that company don’t have work I go to the next company. Note: I am employed by all of these companies. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497326 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received a "Draft" ICD, please provide the ICD issued to the borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg.XXXX/XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497327 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 536643 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-47 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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 XXX 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. The funding date is before the third business day following consummation.The consumer XXX 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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 536643 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Open-Missing Closing Disclosure dated XX/XX/XX that borrower received on XX/XX/XXXX per Disclosure Tracking Summary page XXX. Additional TRID Findings XXX apply upon receipt and review of the missing.disclosures. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 536643 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing PCCD dated XX/XX/XXXX an received by borrower XX/XX/XXXX per Disclosure Tracking Summary page XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526954 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FVAL3525 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Valuation product is deficient | Resolved-XX/XX/XX - received AVM dated XX/XX/XX $XXX,XXX with XX% confidence. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - Seller Home would need to obtain an exception waiver from Client via an email to Client,XXX@XXXXX, requesting the Finding for the Valuation being completed by a broker rather than an appraiser be waived. Client XXX request comp factors in order to approve the waiver. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-I sent an email but no response yet on how and who do I get the waiver from? - Seller-XX/XX/XXXX Counter-Please obtain a Client waiver of this exception. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-What can we submit to get this cleared? - Seller-XX/XX/XXXX Counter-XX/XX/XX - Per Client guidelines, a BPO is not acceptable valuation documentation. Seller provided the Broker's license information from the DRE website. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. From our AMC – XXX, the license number for the agent associated with this inspection order # is XXXXXXX - Seller-XX/XX/XXXX Open-The desktop review obtained from XXX along with the lenders Appraiser and/or Data Collector Independence Certification is missing the appraisers license information. Please provide the appraiser's license. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-I sent an email but no response yet on how and who do I get the waiver from? - Seller-XX/XX/XXXX Ready for Review-What can we submit to get this cleared? - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. From our AMC – XXX, the license number for the agent associated with this inspection order # is XXXXXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received AVM dated XX/XX/XX $XXX,XXX with XX% confidence. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 526954 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE4165 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Employment Gaps in Employment Without Sufficient Explanation | Resolved-Borrower X Employment Gap Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Employment Gap Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Employment Gap Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Employment Gap Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Employment Gap Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Employment Gap Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Employment Gap Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received LOE from borrower dated XX/XX/XX: "My loan officer requested that I explain why there was a gap in my employment from XX/XX/XX with XXX to XX/XX/XX at XXX School District. This was due to the break in the school year. My employment contract with XXX ended at the beginning of XXXe and the contract with XXX started at the beginning of XXX. I had to wait for the new contact /school year to start." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Provided LOE from borrower regarding job gap - Seller-XX/XX/XXXX Open-Borrower X Employment Gap Letter Missing - Per program guidelines, any gaps >XX days must be addressed; per VOEs in file, borrower left prior role XX/XX/XX and began current position XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Provided LOE from borrower regarding job gap - Seller-XX/XX/XXXX |
Resolved-Borrower X Employment Gap Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Employment Gap Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Employment Gap Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Employment Gap Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Employment Gap Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Employment Gap Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Employment Gap Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received LOE from borrower dated XX/XX/XX: "My loan officer requested that I explain why there was a gap in my employment from XX/XX/XX with XXX to XX/XX/XX at XXX School District. This was due to the break in the school year. My employment contract with XXX ended at the beginning of XXXe and the contract with XXX started at the beginning of XXX. I had to wait for the new contact /school year to start." - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 526954 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received COCs for increase to points and added VO Fee - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached COC dated XX/XX/XX that was sent for the increased discount points and also the COC dated XX/XX/XX that was sent for the added third party fees. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Please provide acceptable Change Circumstance form for addition of $XX.XX Third Party Verification Fee and increase of Loan Discount Points from $XXX to $XXX, or an acceptable Post-Closing CD and proof of refund of $XXX.XX to the borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached COC dated XX/XX/XX that was sent for the increased discount points and also the COC dated XX/XX/XX that was sent for the added third party fees. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COCs for increase to points and added VO Fee - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 526954 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3532 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-XX/XX/XX - received CD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR §XXXX.XX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraSeller §XXXX.XX(f)(X)(i) no later than three business days before consummation. Please provide initial CD and evidence of borrower receipt. Earliest CD in file is dated XX/XX/XX with settlement taking place on XX/XX/XX. Please provide proof an earlier Closing Disclosure was issued and received as while the subject transaction is the refinance of an Investment Property, the borrower utilized the proceeds to pay off multiple consumer debts and therefore not a true Business Purpose Loan. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received CD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 526954 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. - Please provide acceptable Change Circumstance form for addition of $XX.XX Third Party Verification Fee and increase of Loan Discount Points from $XXX to $XXX, or an acceptable Post-Closing CD and proof of refund of $XXX.XX to the borrower. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||||
| 526954 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Please provide acceptable Change Circumstance form for addition of $XX.XX Third Party Verification Fee and increase of Loan Discount Points from $XXX to $XXX, or an acceptable Post-Closing CD and proof of refund of $XXX.XX to the borrower. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||||
| 545364 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1166 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-XX/XX/XX - received amended policy with coverage of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard coverage of $XXX,XXX (pg XXX) is insufficient to meet the combined loan amounts of $XXX,XXX or cost to rebuild per appraisal of $XXX,XXX (pg XX). Evidence of insurance reflects (pg XXX) reflects extended coverage is included in policy, but does not state amount of extended coverage. Lender's estimated cost to rebuild (pg XXX) reflects $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received amended policy with coverage of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 554369 | XXXX | C | A | B | A | C | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing initial CD. Per the Disclosure Tracking Summary (pg XXX ), the initial CD was issued XX/XX/XX and received by the borrower on XX/XX/XX. Compliance is incomplete. Additional findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 554369 | XXXX | C | A | B | A | C | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX -received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary Missing final XXXX/UW Transmittal. A lender approval is provided on page XX, however no XXXX/UW Transmittal is provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX -received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 588028 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM8972 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust Riders | Resolved-XX/XX/XXXX - received complete recorded DOTwith Simple Interest and MERS Riders executed XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received DOT and Riders from 1st mortgage which closed on XX/XX/XXXX. Still need MERS Rider and Simple Interest Rider executed by the borrower on XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing MERS Rider and Simple Interest Rider executed by the borrower on XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received complete recorded DOTwith Simple Interest and MERS Riders executed XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 588028 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE7551 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Divorce Decree | Resolved-XX/XX/XX - received copy of divorce decree/settlement agreement reflecting spousal and child support. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing divorce decree reflecting $X,XXX monthly obligation for child support and $X,XXX monthly obligation for spousal support. Final XXXX reflects child support and alimony payments, however no other documentation is provided to verify. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received copy of divorce decree/settlement agreement reflecting spousal and child support. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 588028 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Final CD reflects lender credit of $XXX.XX to cure amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received COC issued on XX/XX/XX, for increase in discount pts. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Discount Points increased from $X,XXX to $X,XXX.XX, the Credit Report fee increased from $XX to to $XXX.XX and the VOE fee increased from $X to $XXX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $X,XXX.XX to cure the X% tolerance variance. The final COC reflects a $XXX.XX lender credit, however the borrower is due an additional $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final CD reflects lender credit of $XXX.XX to cure amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received COC issued on XX/XX/XX, for increase in discount pts. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 588028 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 588028 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 577565 | XXXX | D | A | B | A | D | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided. Income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 577565 | XXXX | D | A | B | A | D | A | N/A | N/A | Closed | FCOM1290 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-XX/XX/XX - received duplicate lock showing points charged reducing price, undiscounted rate not provided, but considering points bona fide - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Undiscounted Rate is Missing Please provide documentation that the Discount Points charged are Bone Fide and the resulting Undiscounted Rate. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received duplicate lock showing points charged reducing price, undiscounted rate not provided, but considering points bona fide - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588031 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FVAL9739 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-XX/XX/XX - reviewed counter party comments and XXX and agree that if there is any damage it is cosmetic only and that screen porch appears to be used for storage, not work being done on it. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X) Where is the siding damaged? The subject has wood siding that is stained, not painted. The stain has worn off in some areas but there is no damage visible in the XXX. X) The enclosed porch is not being worked on. It is being used for storage. Where is it being worked on? X) What potential hazard or marketability issues is the investor referring to? - Seller-XX/XX/XXXX Open-- Appraiser indicates Property Condition as CX, however XXX appear to reflect damage to wood siding and work being performed on the screened porch. Please provide revised appraisal commenting further on any potential hazard or marketability issues and correct Condition as appropriate. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X) Where is the siding damaged? The subject has wood siding that is stained, not painted. The stain has worn off in some areas but there is no damage visible in the XXX. X) The enclosed porch is not being worked on. It is being used for storage. Where is it being worked on? X) What potential hazard or marketability issues is the investor referring to? - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - reviewed counter party comments and XXX and agree that if there is any damage it is cosmetic only and that screen porch appears to be used for storage, not work being done on it. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 588031 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1623 | XX/XX/XXXX | XX/XX/XXXX | Cured | 1 - Information | D | A | Credit | Missing Doc | Missing Final 1008 Uniform Underwriting and Transmittal Summary | Cured-XX/XX/XX - received corrected XXXX with P&I on first that matches the Note. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-- Per XXXX in file, lender used $XXX.XXX/mo for P&I on the first lien, however actual amount is $XX.XX per Note and statement; please provide revised XXXX or, if payment used includes MI, validation of this amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Cured-XX/XX/XX - received corrected XXXX with P&I on first that matches the Note. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588032 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Final CD reflects $XX.XX lender credit to cure amount over tolerance. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received COC for loan amount and discount points increase. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report fee: $XXX lender cure applied to final CD XX/XX/XX LE/COC disclosed the increase to the discount points, this was due to the fact that the loan amount increased. See provided COC form - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Credit Report fee increased from $XX to $XXX and the Discount Points increased from $XXX to $XXX.XX from the XXXeline LE to final CD without a written COC. Missing evidence the borrower was reimbursed $XXX.XX to cure the X% tolerance variance. The final CD reflects a $XXX lender credit, however the borrower is still owed $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report fee: $XXX lender cure applied to final CD XX/XX/XX LE/COC disclosed the increase to the discount points, this was due to the fact that the loan amount increased. See provided COC form - Seller-XX/XX/XXXX |
Resolved-Final CD reflects $XX.XX lender credit to cure amount over tolerance. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received COC for loan amount and discount points increase. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588032 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX. Remaining amount due borrower is $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 623961 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 642997 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 360857 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360846 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360817 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370200 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE6546 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Seller provided Senior Lien Note. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Senior Lien Note attached. - Seller-XX/XX/XXXX Open-Missing the Note for the senior lien, unable to determine eligibility - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Senior Lien Note attached. - Seller-XX/XX/XXXX |
Resolved-Seller provided Senior Lien Note. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 357222 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 370165 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360841 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360848 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 357229 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - received PCCD and evidence of principal reduction of $XXX to cure increase to interest rate related fee on revised LE issued beyond X days after rate lock. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached is the cure for the amount of closing cost increase associated with the rate lock and not timely disclosed. - Seller-XX/XX/XXXX Open-Missing the revised LE issued within three days of the XX/XX/XXXX rate lock (pg XXX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached is the cure for the amount of closing cost increase associated with the rate lock and not timely disclosed. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD and evidence of principal reduction of $XXX to cure increase to interest rate related fee on revised LE issued beyond X days after rate lock. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 385285 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 360864 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - received re-inspection report dated XX/XX/XXXX, no damage noted - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-Inspection Report attached - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XX-XXXX-XX, subject's state was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX. Per FEMA website results the disaster is reflected as “continuing”. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-Inspection Report attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received re-inspection report dated XX/XX/XXXX, no damage noted - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 370154 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Coverage is equal to the lesser of the replacement cost from the insurer or the sum of the principal balance of the first lien and the second lien combined. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Hazard Insurance Policy and Replacement Cost Estimator attached. Looks like we have enough coverage - Seller-XX/XX/XXXX Open-Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage Hazard policy reflects dwelling coverage is less than the total the combined liens and however no cost to re-build was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Hazard Insurance Policy and Replacement Cost Estimator attached. Looks like we have enough coverage - Seller-XX/XX/XXXX |
Resolved-Coverage is equal to the lesser of the replacement cost from the insurer or the sum of the principal balance of the first lien and the second lien combined. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 360819 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Open-Provide evidence of Guaranteed Replacement Coverage. Hazard policy reflects dwelling coverage that totals the combined liens, no cost to re-build was provided and Replacement Coverage was not reflected on the policy. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||||
| 370221 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360826 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 357226 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Hazard policy reflects dwelling coverage of$XXXX which exceeds the total of the combined liens and appraised value, no cost to re-build was provided and replacement coverage was not noted on the policy - Due Diligence Vendor-XX/XX/XXXX Open-Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage Hazard policy reflects dwelling coverage of$XXXX which exceeds the total of the combined liens, no cost to re-build was provided and replacement coverage was not noted on the policy.. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Hazard policy reflects dwelling coverage of$XXXX which exceeds the total of the combined liens and appraised value, no cost to re-build was provided and replacement coverage was not noted on the policy - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 370192 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360827 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360825 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 360856 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Second Home | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 357230 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360869 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1223 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Seller provided DOT executed by Non Borrower spouse. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Note & DOT attached signed by borrowers. - Seller-XX/XX/XXXX Open-The Deed of Trust is Not Executed The Deed of Trust was not executed by the non-borrowing spouse. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Note & DOT attached signed by borrowers. - Seller-XX/XX/XXXX |
Resolved-Seller provided DOT executed by Non Borrower spouse. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | PurXXX | NA | N/A | N/A | |||
| 357228 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389768 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373907 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC attached - Seller-XX/XX/XXXX Open-Right of Rescission is Missing No executed ROR evidencing the borrowers had X business days to rescind the refinance was provided in the image file. However, the loan closed on XX/XX/XXXX and disbursed on XX/XX/XXXX, giving the borrower a X-day rescission period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC attached - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370158 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FPRO1245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-Recertification dated X.XX.XXXX provided, - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Certificate of Compliance attached dated XX/XX/XXXX - Seller-XX/XX/XXXX Open-Primary Value Appraisal is Expired Appraisal provided (pg XXXX) is dated within XX months of the application date; however, no re-certification of value was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Certificate of Compliance attached dated XX/XX/XXXX - Seller-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 370177 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-Seller provided inspection report - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-Inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XX-XXXX-XX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-Inspection report attached. - Seller-XX/XX/XXXX |
Resolved-Seller provided inspection report - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 360854 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received supplemental report reflecting account #XXX trade deleted. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see an updated credit report showing that XXX # XXX listed on the previous CR was a duplicated acct. - Seller-XX/XX/XXXX Open-Please provide evidence of XXX acct #XXX paid in full prior to close to support exclusion of$XXXX monthly payment from DTI calculation. Including debt increases DTI to XX.XX% which exceeds guideline maximum. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see an updated credit report showing that XXX # XXX listed on the previous CR was a duplicated acct. - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received supplemental report reflecting account #XXX trade deleted. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 360806 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FVAL3525 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Valuation product is deficient | Resolved-Recert provided is dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see update appraisal report attached. - Seller-XX/XX/XXXX Open-Guidelines require a Desktop Appraisal or recert of recent full appraisal. The prior full appraisal dated XX/XXXX and desk review dated XX/XXXX were provided only. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see update appraisal report attached. - Seller-XX/XX/XXXX |
Resolved-Recert provided is dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 360845 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360811 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Coverage is equal to the lesser of the replacement cost from the property appraisal or the sum of the principal balance of the first lien and the second lien combined. - Due Diligence Vendor-XX/XX/XXXX Open-Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage Hazard policy reflects dwelling coverage that is less than the combined liens, no Replacement Coverage provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Coverage is equal to the lesser of the replacement cost from the property appraisal or the sum of the principal balance of the first lien and the second lien combined. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 360812 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360828 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373876 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375823 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360810 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 357225 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Coverage is equal to the lesser of the replacement cost from the property appraisal or the sum of the principal balance of the first lien and the second lien combined. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-If the dwelling coverage exceeds the combined liens, that meets guidelines and no further documentation is needed. - Seller-XX/XX/XXXX Open-Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage Hazard policy reflects dwelling coverage of $XXXX exceeds the total the combined liens of$XXXX, no cost to re-build was provided and Replacement Coverage was not reflected on the policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-If the dwelling coverage exceeds the combined liens, that meets guidelines and no further documentation is needed. - Seller-XX/XX/XXXX |
Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Coverage is equal to the lesser of the replacement cost from the property appraisal or the sum of the principal balance of the first lien and the second lien combined. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 370176 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 370170 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received BorrowerX and BorrowerX XXXX-C signed at application and closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received BorrowerX and BorrowerX XXXX-C signed at application and closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 370170 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received BorrowerX and BorrowerX XXXX-C signed at application and closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received BorrowerX and BorrowerX XXXX-C signed at application and closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 357223 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370160 | XXXX | XXXX | C | B | C | B | C | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Guidelines require paystubs covering the most recent XX-day period. Borrower is paid weekly and only two weekly paystubs are provided covering the weeks of XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 357227 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 357221 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370191 | XXXX | XXXX | C | A | B | A | A | A | N/A | N/A | Closed | FPRO1246 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Second Appraisal is Expired | Resolved-XX/XX/XXXX - recert of value dated XX/XX/XXXX provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXX which shows the lowest appraisal amount between the two appraisal reports' value ($XXX,XXX.XX) Please advise what do we need to provide to clear this exception. Please see attached documents - Seller-XX/XX/XXXX Open-Secondary Value Appraisal is Expired Missing recert of value. Guidelines allow using an existing appraisal, if dated within XX months of the settlement date, with a recert of value. File contains a Retrospective Appraisal Credibility Report, which indicates the reviewer does not agree with the original Appraiser's opinion of value. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXX which shows the lowest appraisal amount between the two appraisal reports' value ($XXX,XXX.XX) Please advise what do we need to provide to clear this exception. Please see attached documents - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - recert of value dated XX/XX/XXXX provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 370191 | XXXX | XXXX | C | A | B | A | A | A | N/A | N/A | Closed | FCRE1494 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | QM-ATR | ATR: Qualifying Payment Not Properly Considered | Resolved-Seller provided updated XXXX with HOA and DTI - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see update XXXX attached reflecting HOA amount - Seller-XX/XX/XXXX Open-ATR: Subject PITIA Not Considered Appraisal report in file indicates subject property is located in a PUD with a $XXX/month HOA fee. The lender did not include HOA fees in the DTI calculation on the final XXXX. This causes the total PITIA payment to increase from $XXXX to $XXXX and DTI to increase from XX.XX% to XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see update XXXX attached reflecting HOA amount - Seller-XX/XX/XXXX |
Resolved-Seller provided updated XXXX with HOA and DTI - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 360815 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360824 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373795 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received revised CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached the XX/XX/XXXX CD. The COC is described on the disclosure tracking log identified - an appraisal reinspection fee was added and then later removed. - Seller-XX/XX/XXXX Open-Missing the revised CD issued XX/XX/XXXX per the disclosure tracking log (pg.XXX) and the COC (pg.XXX). Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached the XX/XX/XXXX CD. The COC is described on the disclosure tracking log identified - an appraisal reinspection fee was added and then later removed. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received revised CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375824 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360835 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370159 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360831 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX Counter-Clarification of Client guidelines Matrix requires X paystubs. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Matrix states "Wage Earner: Most recent paystub, two years w2s, Verbal VOE, and two years w2 transcripts." Only most recent paystub required. The year-to-date requirement is met, as the paystub provided is dated XX/XX/XXXX, thus the YTD covers X.X months. The YTD would only fail to cover the most recent XX-day period if it was dated for early XXXuary or the borrower only recently started employment. - Seller-XX/XX/XXXX Open-Clarification of Client guidelines state Document Standards for Paystubs must identify, in part, gross earnings for the current pay period and year-to-date earnings; Year-to date-earnings must cover the most recent XX-day period. The Matrix requires X paystubs. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - PCA agrees that most recent paystub can be less than XX days per guidelines - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required for this loan program. Guidelines state the following: "Wage earners receive a consistent wage or salary from an employer in return for a service rendered and have less than XX percent ownership interest in the business. Compensation XXX be XXXed on an hourly, weekly, biweekly, monthly, or semimonthly XXXis. If the Borrower's earnings are regular, use the monthly gross income to qualify. If a Borrower's hours fluctuate, average the past two years plus year-to-date earnings. All of the following income documentation is required • Most recent paystub(s); • Most recent two years W-Xs; • Verbal verification of employment; and • W-X Tax transcripts for the most recent two years" - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing additional paystub to cover complete XX day period, as per guidelines. Only one paystub provided for pay period XX/XX/XXXX-XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX Ready for Review-Matrix states "Wage Earner: Most recent paystub, two years w2s, Verbal VOE, and two years w2 transcripts." Only most recent paystub required. The year-to-date requirement is met, as the paystub provided is dated XX/XX/XXXX, thus the YTD covers X.X months. The YTD would only fail to cover the most recent XX-day period if it was dated for early XXXuary or the borrower only recently started employment. - Seller-XX/XX/XXXX Ready for Review-Not required for this loan program. Guidelines state the following: "Wage earners receive a consistent wage or salary from an employer in return for a service rendered and have less than XX percent ownership interest in the business. Compensation XXX be XXXed on an hourly, weekly, biweekly, monthly, or semimonthly XXXis. If the Borrower's earnings are regular, use the monthly gross income to qualify. If a Borrower's hours fluctuate, average the past two years plus year-to-date earnings. All of the following income documentation is required • Most recent paystub(s); • Most recent two years W-Xs; • Verbal verification of employment; and • W-X Tax transcripts for the most recent two years" - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - PCA agrees that most recent paystub can be less than XX days per guidelines - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | ||||
| 360831 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-Per Investor GL clarification: This disaster does not require reinspection as no individual assistance has been approved for OsXXXXla County. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-As of this writing there remains no individual assistance available for this disaster. The ingoing status also negates the option to obtain an inspection, as inspections must be completed after the disaster declaration end date. Typically, a finding would not be placed pre-emptively when no individual assistance has been authorized for a disaster. Rather, a case would be reopened if such is declared after the case is cleared. - Seller-XX/XX/XXXX Counter-A post disaster inspection should be performed as the City and State in which the subject property is located has a disaster declared for Saint Cloud, FL and because the FEMA website results in the disaster “continuing”. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This disaster does not require reinspection as no individual assistance has been approved. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #EM-XXXX-FL, subject's state was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-As of this writing there remains no individual assistance available for this disaster. The ingoing status also negates the option to obtain an inspection, as inspections must be completed after the disaster declaration end date. Typically, a finding would not be placed pre-emptively when no individual assistance has been authorized for a disaster. Rather, a case would be reopened if such is declared after the case is cleared. - Seller-XX/XX/XXXX Ready for Review-This disaster does not require reinspection as no individual assistance has been approved. - Seller-XX/XX/XXXX |
Resolved-Per Investor GL clarification: This disaster does not require reinspection as no individual assistance has been approved for OsXXXXla County. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 370149 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370206 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370174 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360834 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370161 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-One month's worth of Paystubs are not required for application before XX/XX/XXXX. Please delete exception - Seller-XX/XX/XXXX Counter-Confirmation of Investor Guidelines require X paystubs regardless of time period covered. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the guidelines attached. Matrix stated that is required most recent paystubs. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing paystubs covering most recent XX-day period. The X paystubs provided covers a X-week period only. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-One month's worth of Paystubs are not required for application before XX/XX/XXXX. Please delete exception - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the guidelines attached. Matrix stated that is required most recent paystubs. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||
| 370171 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373889 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393029 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Inspection report dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-Inspection Report - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX (Hurricane Milton), subject's county was impacted on XX/XX/XXXX; and #XXXX (Hurricane Helene), subject's county was impacted on XX/XX/XXXX; and #XXXX (Hurricane Debby), subject's county was impacted on XX/XX/XXXX all were after appraisal inspection on XX/XX/XX and review on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-Inspection Report - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Inspection report dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 393029 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXX statement reflecting loan paid in full XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The XXX CU acct # LXXXX was payoff. Please see statement attached showing a $X.XX balance - Seller-XX/XX/XXXX Open-It appears lender did not include XXX CU #XXXXXXLXXXX payment of $XXXX/mo in DTI. Final XXXX (pg XX) reflects balance of $XX,XXX, however payment reflects $X. Payment per credit report (pg XX) is $XXXX/mo. No documentation provided regarding why payment was not included, therefore it was included for review, resulting in DTI of XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The XXX CU acct # LXXXX was payoff. Please see statement attached showing a $X.XX balance - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXX statement reflecting loan paid in full XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 360847 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373835 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1335 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower X IRS Transcripts Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - XXXX, XXXX Transcript provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X IRS Transcripts Missing Income was calculated XXXed on bank statements; however, the most recent X years IRS Transcripts were not provided for Borrower X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X IRS Transcripts Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - XXXX, XXXX Transcript provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 360802 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370213 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1XXX | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-XX/XX/XXXX - Seller servicer pay history provided shows XxXX days late for months in question. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this the pymt history? The XXX pymt was made on XX/XX/XX; XXXober was made on XX/XX/XX; XXXember was made on XX/XX/XX and finally, XXX was made on XXX X2nd. Please see attached pymt history - Seller-XX/XX/XXXX Counter-Housing Payment History guidelines state: "Minimum of XXXXX mortgage payment history is required inclusive of all REO for all borrowers on the transaction". Credit report reflects XxXX on Seller Mortgage FHA loan in last XX months. Late payments appear to have occurred XX/XXXX - XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see the payment history, VOM, and screenshot showing that the borrower never was late more than XX days past due - Seller-XX/XX/XXXX Open-Credit report reflects XxXX on Seller Mortgage FHA loan in last XX months. Late payments appear to have occurred XX/XXXX - XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review one more time this the pymt history? The XXX pymt was made on XX/XX/XX; XXXober was made on XX/XX/XX; XXXember was made on XX/XX/XX and finally, XXX was made on XXX X2nd. Please see attached pymt history - Seller-XX/XX/XXXX Ready for Review-Please see the payment history, VOM, and screenshot showing that the borrower never was late more than XX days past due - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Seller servicer pay history provided shows XxXX days late for months in question. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370213 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-Per Investor GL clarification: This disaster does not require reinspection as no individual assistance has been approved for XXXX County. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see appraisal report attached. - Seller-XX/XX/XXXX Counter-No uploaded document attached. Please re-upload your curative document(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see the re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XX-XXXX-XX, subject's county was impacted on XX/XX//XXXX, after appraisal inspection on XX/XX/XXXX. Please provide a satisfactory re-inspection confirming no impact to the subject property - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see appraisal report attached. - Seller-XX/XX/XXXX Ready for Review-Please see the re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-Per Investor GL clarification: This disaster does not require reinspection as no individual assistance has been approved for XXXX County. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 360838 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360858 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 373773 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1317 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-XX/XX/XXXX - received VOE for prior employer verifying X.X years employment - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Total Years Employment Verified is Greater Than or Equal To XX Months - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX/XXXX - received VOE for prior employer verifying X.X years employment - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see VOE and VVOE attached. - Seller-XX/XX/XXXX Open-Borrower X Total Years Employment Verified is Less Than XX Months Total years of employment verified is less than XX months. The image file (pg XXXX) indicated previous VOE in file; however, the VOE for the previous employer is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see VOE and VVOE attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received VOE for prior employer verifying X.X years employment - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Total Years Employment Verified is Greater Than or Equal To XX Months - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373753 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373905 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360868 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370229 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1360 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 2 Paystubs Missing | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Missing BX - missing consecutive paystub covering most recent XX days. File has one paystub dated XX/XX and one paystub dated XX/XX. Please provide additional April paystub to cover recent XX days - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 373877 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373792 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370199 | XXXX | XXXX | D | A | D | A | B | A | N/A | N/A | Closed | FCRE6546 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Seller provided Senior lien Note. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see 1st Lien Note attached. - Seller-XX/XX/XXXX Open-Missing the Note for the senior lien, unable to determine eligibility. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see 1st Lien Note attached. - Seller-XX/XX/XXXX |
Resolved-Seller provided Senior lien Note. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370199 | XXXX | XXXX | D | A | D | A | B | A | N/A | N/A | Closed | FCOM2283 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Disclosure | TILA- Non-material | Resolved-Seller provided corrected ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC attached - Seller-XX/XX/XXXX Open-Non-borrowing spouse executed DOT and ROR on XX/XX/XXXX, not XX/XX/XXXX as borrower did. The non-borrowing spouse's ROR reflects a rescission expiration date of XXX XX, XXXX but it should reflect a rescission expiration date of XXX XX, XXXX since non-borrowing spouse did not receive the notice until XXXe XX, XXXX. Loan was not disbursed until XX/XX/XXXX, therefore borrower and non-borrowing spouse received X day recession. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC attached - Seller-XX/XX/XXXX |
Resolved-Seller provided corrected ROR - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373808 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360823 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360840 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Per Client GLs, hazard coverage must be equal to the lesser of the replacement cost from the property appraisal or the sum of the principal balance of the first lien and the second lien combined. The dwelling coverage is$XXXX and the cost to rebuild noted on the policy is$XXXX, however "Value Endorsement" is selected on policy. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached are the hazard policy on pages X-X and the estimated replacement cost on pages X-X. - Seller-XX/XX/XXXX Open-Provide evidence of Guaranteed Replacement Coverage. Hazard policy reflects dwelling coverage that is less than the combined liens and the cost to rebuild. Guaranteed Replacement Coverage was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached are the hazard policy on pages X-X and the estimated replacement cost on pages X-X. - Seller-XX/XX/XXXX |
Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Per Client GLs, hazard coverage must be equal to the lesser of the replacement cost from the property appraisal or the sum of the principal balance of the first lien and the second lien combined. The dwelling coverage is$XXXX and the cost to rebuild noted on the policy is$XXXX, however "Value Endorsement" is selected on policy. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370180 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 373749 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370196 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Guidelines require two paystubs covering the most recent XX-day period. The paystubs in file cover the following time frames: XX/XX/XXXX-XX/XX/XXXX; XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. These paystubs are not consecutive and do not cover a full XX day time period as required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 360809 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370156 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370157 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL3525 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Valuation product is deficient | Resolved- Original Appraisal dated XX/XX/XXXX provided ands supports re-certification of value provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see original appraisal report attached. - Seller-XX/XX/XXXX Open-Please provide original Appraisal dated XX/XX/XXXX to support re-certification of value provided. A recertification/Desk Review was completed on XX/XX/XXXX however, the referenced Original Appraisal is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see original appraisal report attached. - Seller-XX/XX/XXXX |
Resolved- Original Appraisal dated XX/XX/XXXX provided ands supports re-certification of value provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 370157 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL3825 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-Seller provided Appraisal update, - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Re-Inspection Report Attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #(DR-XXXX-TN), subject's county was impacted on XX/XX/XXXX, after appraisal on XX/XX/XXXX. Credit Report also indicates property affected by Natural Disaster. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Re-Inspection Report Attached. - Seller-XX/XX/XXXX |
Resolved-Seller provided Appraisal update, - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 375825 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370222 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing paystubs covering most recent XX-day period. Only X paystub was provided dated XX/XX/XXXX and it does not indicate what time frame this pay period covers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 370222 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1325 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower X CPA Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received letter from owner Castle Painting stating son works for company but has no ownership. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The employer has no CPA, but the owner provided the attached letter of explanation confirming the borrower has no ownership. - Seller-XX/XX/XXXX Open-Borrower X CPA Letter Missing VOE in file (pg XXX) indicates borrower is employed by family (his father). Guidelines state if a borrower is employed by a relative, the business accountant must verify the borrower is not self-employed and indicate his/her percent of interest in the business. This documentation is not in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The employer has no CPA, but the owner provided the attached letter of explanation confirming the borrower has no ownership. - Seller-XX/XX/XXXX |
Resolved-Borrower X CPA Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received letter from owner Castle Painting stating son works for company but has no ownership. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370222 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1437 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received letter from owner Castle Painting stating son works for company but has no ownership. - Due Diligence Vendor-XX/XX/XXXX Open-Income and Employment Do Not Meet Guidelines Borrower is employed by family. Missing documentation from the business account indicating borrower's percentage of interest in the business. Guidelines indicate paystubs must clearly identify the borrower as the employee, include gross and year to date earnings, reflect a the pay period and identify the employer name. The paystub documentation in file (pg XXX-XXX) is a business check from the employer payable to the borrower on XX/XX/XXXX. It does not include gross earnings for the current pay period or year to date earnings, identify a pay period and does not reflect any state or federal taxes being deducted from the employees pay. The w2 statements in file from XXXX and XXXX indicate federal, state, and FICA taxes were withheld from paychecks in those years. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received letter from owner Castle Painting stating son works for company but has no ownership. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 370141 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXT form for two borrowers attached - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing for Borrower X - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXT form for two borrowers attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 360818 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370237 | XXXX | XXXX | C | A | C | A | B | A | N/A | N/A | Closed | FCRE1XXX | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-XX/XX/XXX - Servicer pay history reflects no XX day late payment for XXXy XXXX, which was received XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The borrower had no late payments within the past XX months; the "delinquent mesClient" field referenced is related to a FEMA disaster that occurred in the area of the subject property. There was no impact to the property. Had the borrower been late within the past XX months, the credit report would specify the date of the late payment (as it does on the Bank Of America closed mortgage). Attached is the payment history confirming no late payments in the relevant time period. - Seller-XX/XX/XXXX Open-Borrower credit report housing history shows XX day late in XXXy XXXX. Customer Inquiry pg XX shows last delinquency notice XX/XX/XXXX. Please provide servicing history to verify no XX day lates in last XX months. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The borrower had no late payments within the past XX months; the "delinquent mesClient" field referenced is related to a FEMA disaster that occurred in the area of the subject property. There was no impact to the property. Had the borrower been late within the past XX months, the credit report would specify the date of the late payment (as it does on the Bank Of America closed mortgage). Attached is the payment history confirming no late payments in the relevant time period. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXX - Servicer pay history reflects no XX day late payment for XXXy XXXX, which was received XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370237 | XXXX | XXXX | C | A | C | A | B | A | N/A | N/A | Closed | FCOM1629 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Intent to Proceed | Resolved-XX/XX/XXXX - received Disclosure Tracking Details reflecting the Intent to proceed date XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The borrower's intent to proceed was included in the disclosure tracking provided in the initial binder. See attached. Page X edisclosure info shows the intent to proceed, page X shows the disclosure included in the package. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received unexecuted Intent to Proceed disclosure. Still missing evidence the borrower express intent to proceed. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing complete Intent to Proceed disclosure Please provide Intent to Proceed disclosure - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The borrower's intent to proceed was included in the disclosure tracking provided in the initial binder. See attached. Page X edisclosure info shows the intent to proceed, page X shows the disclosure included in the package. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received Disclosure Tracking Details reflecting the Intent to proceed date XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370237 | XXXX | XXXX | C | A | C | A | B | A | N/A | N/A | Closed | FCOM4636 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section XXXed on ability to shop | Resolved-XX/XX/XXXX - non-material issue, no PCCD necessary. Seller response: The loan closed with our Preferred Provider, Timios, and we are disclosing in B and holding to XX% tolerance as the conservative approach. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The loan closed with our Preferred Provider, Timios, and we are disclosing in B and holding to XX% tolerance as the conservative approach. - Seller-XX/XX/XXXX Open-All Closing Disclosures show shopped fees in section B. The Service Provider List reflects provider, XXX Title for settlement and title services. The borrower chose Timios, Inc. and therefore those shopped fees should be reflected in section C. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The loan closed with our Preferred Provider, Timios, and we are disclosing in B and holding to XX% tolerance as the conservative approach. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - non-material issue, no PCCD necessary. Seller response: The loan closed with our Preferred Provider, Timios, and we are disclosing in B and holding to XX% tolerance as the conservative approach. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 370235 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM8983 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Lender is missing or inaccurate | Resolved-Seller provided executed Final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see the Consummation CD attached. - Seller-XX/XX/XXXX Open-Please provide an executed copy of the Final CD issued XX/XX/XXXX an closed XX/XX/XXXX. The Final C in file is not signed by borrower. Additional findings XXX be required upon receipt - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please see the Consummation CD attached. - Seller-XX/XX/XXXX |
Resolved-Seller provided executed Final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 411435 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 360842 | XXXX | XXXX | B | A | A | A | B | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-XX/XX/XXXX - received agent executed Patriot Act disclosure with ID info - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Missing Selleroto ID or US Patriot Disclosure completed by the closing agent for both borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received agent executed Patriot Act disclosure with ID info - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 360861 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360804 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373871 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373847 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370197 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE7009 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Seller provided evidence of Replacement Coverage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Hazard Insurance Policy requirements for Florida in regards to obtaining RCE Replacement Cost Estimator. Also, see the payment history showing the remaining balance from 1st and 2nd Liens. - Seller-XX/XX/XXXX Open-Hazard policy reflects dwelling coverage of$XXXX, which is less than the combined liens of $XXX,XXX and cost to replace of$XXXX, as reflected on the appraisal. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Hazard Insurance Policy requirements for Florida in regards to obtaining RCE Replacement Cost Estimator. Also, see the payment history showing the remaining balance from 1st and 2nd Liens. - Seller-XX/XX/XXXX |
Resolved-Seller provided evidence of Replacement Coverage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 370197 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-Per Investor GL clarification: This disaster does not require reinspection as no individual assistance has been approved for St Johns County. - Due Diligence Vendor-XX/XX/XXXX Counter-Curative does not address this finding. Per FEMA Disaster Declaration #XX-XXXX-XX, subject's state was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the guidelines for Florida HOI policy. Unable to obtain RCE due to Florida state law - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XX-XXXX-XX, subject's state was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the guidelines for Florida HOI policy. Unable to obtain RCE due to Florida state law - Seller-XX/XX/XXXX |
Resolved-Per Investor GL clarification: This disaster does not require reinspection as no individual assistance has been approved for St Johns County. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 360837 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373906 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX- received executed XXXX-C signed at application and closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX- received executed XXXX-C signed at application and closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373906 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Guidelines require paystubs covering the most recent XX-day period. Borrower is paid weekly; paystubs in file cover the weeks XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. Missing paystubs covering a consecutive XX-day time period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 360830 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370225 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-One month's worth of Paystubs are not required for application before XX/XX/XXXX. Please delete exception - Seller-XX/XX/XXXX Counter-Confirmation of Investor Guidelines require X paystubs regardless of time period covered. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see guidelines attached. per the guideline matrix stated that we need to provide the most recent paystub also the income calculator stated that bwr's income with a YTD + Xyrs w2 average - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing X paystubs covering most recent XX-day period. Only X paystub was provided which covers a X-week period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-One month's worth of Paystubs are not required for application before XX/XX/XXXX. Please delete exception - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see guidelines attached. per the guideline matrix stated that we need to provide the most recent paystub also the income calculator stated that bwr's income with a YTD + Xyrs w2 average - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||
| 360803 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL3525 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Valuation product is deficient | Resolved-Desktop RACR provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception and/or escalate this discrepancy to your team lead or Spv ? Please see the attached appraisal report. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - no curative documentation provided. The original image file contains only the appraisal dated XX/XX/XXXX and Appraisal Update dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see updated Appraisal report dated XX/XX/XXXX - Seller-XX/XX/XXXX Open-Guidelines require a Desktop Appraisal or recert of recent full appraisal. The prior full appraisal dated XX/XXXX was provided only. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review one more time this exception and/or escalate this discrepancy to your team lead or Spv ? Please see the attached appraisal report. - Seller-XX/XX/XXXX Ready for Review-Please see updated Appraisal report dated XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-Desktop RACR provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424819 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 373864 | XXXX | XXXX | B | A | A | A | B | A | N/A | N/A | Closed | FCOM4636 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section XXXed on ability to shop | Resolved-XX/XX/XXXX - received corrective PCCD with title fee in section C - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD attached. - Seller-XX/XX/XXXX Open-All Closing Disclosures show shopped fees in section B. The Service Provider List reflects provider, XXX Title for settlement and title services. The borrower chose Timios, Inc. and therefore those shopped fees should be reflected in section C. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received corrective PCCD with title fee in section C - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 360855 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373916 | XXXX | XXXX | C | A | C | A | B | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Quit Claim dated XX/XX/XXXX provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Property Title Issue Title is vested in husband-and-wife names page XXX. The decree of divorce states the subject property will transfer to the husband upon filing decree. The judge signed this on XX/XX/XXXX page XXX-XXX. Deed transferring ownership of subject property from ex-wife to borrower not in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Quit Claim dated XX/XX/XXXX provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373916 | XXXX | XXXX | C | A | C | A | B | A | N/A | N/A | Closed | FCOM4636 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section XXXed on ability to shop | Resolved-XX/XX/XXXX - received seller response: " The loan closed with our Preferred Provider, Timios. It is Seller’s position to be on the conservative side and list those fees in section B and hold their fees to the XX% tolerance." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The loan closed with our Preferred Provider, Timios. It is Seller’s position to be on the conservative side and list those fees in section B and hold their fees to the XX% tolerance. - Seller-XX/XX/XXXX Open-All Closing Disclosures show shopped fees in section B. The Service Provider List reflects provider, XXX Guaranty and XXX Title, LLC for settlement and title services. The borrower chose Timios, Inc. and therefore those shopped fees should be reflected in section C. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The loan closed with our Preferred Provider, Timios. It is Seller’s position to be on the conservative side and list those fees in section B and hold their fees to the XX% tolerance. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received seller response: " The loan closed with our Preferred Provider, Timios. It is Seller’s position to be on the conservative side and list those fees in section B and hold their fees to the XX% tolerance." - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 360801 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360816 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1437 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX Resolved-Seller provide additional pension income income from XXXX for $XXX per month and revised XXXX and XXXX. Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see update XXXX, XXXX, loan approval, and award letters. - Seller-XX/XX/XXXX Counter-Lender included an additional $XXXX of other income not supported by documentation in file. Award letters show a pension from the XXXX System for $XXX/month (pg XX)) and retired military pay of $XXXX/month (pg XX). IRS Transcripts do no indicate this income is not taxable - no justification for additional $XXXX of monthly retirement income in file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Our UW grossed-up both pensions by XXX% per guidelines. see attached documents - Seller-XX/XX/XXXX Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see update XXXX, XXXX, loan approval, and award letters. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Our UW grossed-up both pensions by XXX per guidelines. see attached documents - Seller-XX/XX/XXXX |
Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX Resolved-Seller provide additional pension income income from OPERS for$XXXX per month and revised XXXX and XXXX. Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 360816 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Seller provide additional pension income income from OPERS for$XXXX per month and revised XXXX and XXXX. Income and Employment Meet Guidelines Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see update XXXX, XXXX, Loan Approval and awards letters - Seller-XX/XX/XXXX Counter-Lender included an additional$XXXX of other income not supported by documentation in file. Award letters show a pension from the XXXX Retirement System for $XX.XX/month (pg XX)) and retired military pay of $XXXX/month (pg XX). IRS Transcripts do no indicate this income is not taxable - no justification for additional$XXXX of monthly retirement income in file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per guidelines our UW grossed up by XX% in both pensions. see attached documents - Seller-XX/XX/XXXX Open-Audited DTI of XX.X% exceeds Guideline DTI of XX.XX% Verified monthly income of$XXXX, results in a DTI of XX.XX%, which exceed guidelines. Provide documentation to support "other income" of$XXXX/month. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see update XXXX, XXXX, Loan Approval and awards letters - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Per guidelines our UW grossed up by XXX in both pensions. see attached documents - Seller-XX/XX/XXXX |
Resolved-Seller provide additional pension income income from OPERS for$XXXX per month and revised XXXX and XXXX. Income and Employment Meet Guidelines Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 360821 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373862 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375826 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360814 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FPRO1245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received recert dated XX/XX/XXXX confirming orig value of $XXX dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Primary Value Appraisal is Expired Appraisal provided (pg.XXX) is dated within XX months of the application date; however, no re-certification of value was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received recert dated XX/XX/XXXX confirming orig value of $XXX dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 360832 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373769 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C signed at application and closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C signed at application and closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373769 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing X paystubs covering most recent XX-day period. Only X paystub was provided which covers a X-week period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 373814 | XXXX | XXXX | B | A | A | A | B | A | N/A | N/A | Closed | FCOM5814 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-XX/XX/XXXX - received complete initial CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete copy attached. - Seller-XX/XX/XXXX Open-Initial CD issued XX/XX/XXXX is incomplete. Missing page X detailing fees disclosed on the initial CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Complete copy attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received complete initial CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 360865 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360860 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 370185 | XXXX | XXXX | C | B | C | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Counter-Thank you for this information. Our review is XXXed upon Investor's Guidelines which require X paystubs minimum. Please provide additional consecutive paystub. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Guidelines attached. Per the 2nd Lien matrix, we just need the most recent pay stubs. if there is a discrepancy please advise where is located in the guidelines that we need XX days to calculate the bwr income. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing paystubs covering most recent XX-day period. One paystub provided covering XX/XX/XXXX-XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Guidelines attached. Per the 2nd Lien matrix, we just need the most recent pay stubs. if there is a discrepancy please advise where is located in the guidelines that we need XX days to calculate the bwr income. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | HI | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||
| 370185 | XXXX | XXXX | C | B | C | B | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX principal reduction applied as cure tolerance - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX principal reduction applied as cure tolerance - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and Pymt history attached showing a cure for the additional amount of$XXXX also see that the PCCD was sent to our borrower via regular mail on XX/XX/XXXX. no need to send proof of the cure since was already applied to the acct and bwr XXXbe aware this way or by the next monthly statement showing the cure on their acct - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is$XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The HOA Cert Fee increased from $X to$XXXX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed$XXXX to cure the X% tolerance variance. The final CD reflects a lender credit of$XXXX, therefore remaining amount due borrower is$XXXX. This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and Pymt history attached showing a cure for the additional amount of$XXXX also see that the PCCD was sent to our borrower via regular mail on XX/XX/XXXX. no need to send proof of the cure since was already applied to the acct and bwr XXXbe aware this way or by the next monthly statement showing the cure on their acct - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX principal reduction applied as cure tolerance - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX principal reduction applied as cure tolerance - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | HI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 370185 | XXXX | XXXX | C | B | C | B | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX principal reduction applied as cure tolerance - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX principal reduction applied as cure tolerance - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and Pymt history attached showing a cure for the additional amount of$XXXX also see that the PCCD was sent to our borrower via regular mail on XX/XX/XXXX. no need to send proof of the cure since was already applied to the acct and bwr XXXbe aware this way or by the next monthly statement showing the cure on their acct - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of$XXXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded,$XXXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The HOA Cert Fee increased from $X to$XXXX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed$XXXX to cure the X% tolerance variance. The final CD reflects a lender credit of$XXXX, therefore remaining amount due borrower is$XXXX. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of$XXXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded,$XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and Pymt history attached showing a cure for the additional amount of$XXXX also see that the PCCD was sent to our borrower via regular mail on XX/XX/XXXX. no need to send proof of the cure since was already applied to the acct and bwr XXXbe aware this way or by the next monthly statement showing the cure on their acct - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX principal reduction applied as cure tolerance - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX principal reduction applied as cure tolerance - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | HI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 370185 | XXXX | XXXX | C | B | C | B | C | A | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Resolved-No remedy available. PCCD provided timely of event notification. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-No remedy available. PCCD provided timely of event notification. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | HI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||||
| 360805 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 370179 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373895 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C for both borrowers signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the XXXXT form attached from both borrowers. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the XXXXT form attached from both borrowers. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C for both borrowers signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373895 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C for both borrowers signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the XXXXT form attached from both borrowers. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the XXXXT form attached from both borrowers. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C for both borrowers signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373895 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX Open-Right of Rescission is Missing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC attached - Seller-XX/XX/XXXX Open-Right of Rescission is Missing Missing the executed ROR evidencing the borrower had X business days to rescind the refinance transaction - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC attached - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373895 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Provide executed and notarized Name Affidavit for borrower(s). | Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Name Affidavits - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Signature/Name Affidavit - Seller-XX/XX/XXXX Open-Provide executed and notarized Name Affidavit Please provide executed and notarized Name Affidavit for BX and BX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Signature/Name Affidavit - Seller-XX/XX/XXXX |
Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Name Affidavits - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373895 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE6019 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-XX/XX/XXXX - received CA DLs and closer-signed patriot Act Info - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Both of the borrowers are USA Citizens. Please see Patriot act Form Attached. - Seller-XX/XX/XXXX Open-Borrower X Citizenship Documentation Is Missing Missing Borrower Selleroto ID or US Patriot Act completed by the closing agent. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Both of the borrowers are USA Citizens. Please see Patriot act Form Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received CA DLs and closer-signed patriot Act Info - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373895 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE6914 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-XX/XX/XXXX - received CA DLs and closer-signed patriot Act Info - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Both of the borrowers are USA Citizens. Please see Patriot act Form Attached. - Seller-XX/XX/XXXX Open-Borrower X Citizenship Documentation Is Missing Missing Borrower Selleroto ID or US Patriot Act completed by the closing agent. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Both of the borrowers are USA Citizens. Please see Patriot act Form Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received CA DLs and closer-signed patriot Act Info - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370228 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370162 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385326 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360839 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370236 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXT attached - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing the XXXX-T executed at application / closing. IRS Transcripts were provided for XXXX and XXXX. The XXXX return has not been filed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXT attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373748 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 370211 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 370178 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1316 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received VVOE dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see VVOE attached for both borrowers. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing VVOE indicates employment verified via The Work Number prior to close. The Work Number report in file dated XX/XX/XXXX is more than XX business days prior to closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see VVOE attached for both borrowers. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received VVOE dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370178 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1347 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received VVOE dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see VVOE attached for both borrowers. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing VVOE indicates employment verified via The Work Number prior to close. The Work Number report in file dated XX/XX/XXXX is more than XX business days prior to closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see VVOE attached for both borrowers. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received VVOE dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375827 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373765 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360862 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 360813 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370204 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the XXXXT form from both borrowers attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Borrower X - Missing a XXXX-T executed at application / closing. both XXXX-T documents in file are for Borrower X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the XXXXT form from both borrowers attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370204 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Seller provided Initial LE - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Initial Loan Estimate attached. - Seller-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Additional Findings XXX apply. The disclosure tracking summary shows the borrower received the initial LE on XX/XX/XXXX but a copy of this disclosure is not in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Initial Loan Estimate attached. - Seller-XX/XX/XXXX |
Resolved-Seller provided Initial LE - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370204 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Seller provided Initial LE - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. No Cure is needed please see the initial LE dated XX/XX/XXXX - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Missing the initial LE issued within X business days of the application date. The disclosure tracking summary shows the borrower received the initial LE on XX/XX/XXXX but a copy of this disclosure is not in file. XXXeline for all fees set at $X for tolerance testing. The Underwriting Fee increased from $X to $XXX, the Credit Report Fee increased from $X to XXX, the Flood Certification Fee increased from $X to $X.XX, and the Title - Settlement Fee increased from $X to $XXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXXX.XX to cure the X% tolerance variance. This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i)). The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. No Cure is needed please see the initial LE dated XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-Seller provided Initial LE - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370204 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Seller provided Initial LE - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the initial LE attached. - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). Missing the initial LE issued within X business days of the application date. The disclosure tracking summary shows the borrower received the initial LE on XX/XX/XXXX but a copy of this disclosure is not in file. XXXeline for all fees set at $X for tolerance testing. The Recording Fee increased from $X to $XXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXX to cure the XX% tolerance variance. This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii)). The loan contains third-party services that the consumer was permitted to shop for, and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the initial LE attached. - Seller-XX/XX/XXXX |
Resolved-Seller provided Initial LE - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370204 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Seller provided Initial LE - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Initial LE attached - Seller-XX/XX/XXXX Open-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. Missing the initial LE issued within X business days of the application date. The disclosure tracking summary shows the borrower received the initial LE on XX/XX/XXXX but a copy of this disclosure is not in file. XXXeline for all fees set at $X for tolerance testing, which causes X% and XX% tolerance violations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Initial LE attached - Seller-XX/XX/XXXX |
Resolved-Seller provided Initial LE - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370204 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Seller provided Initial LE - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Initial LE attached. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Missing the initial LE issued within X business days of the application date. The disclosure tracking summary shows the borrower received the initial LE on XX/XX/XXXX but a copy of this disclosure is not in file. XXXeline for all fees set at $X for tolerance testing, which causes X% and XX% tolerance violations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Initial LE attached. - Seller-XX/XX/XXXX |
Resolved-Seller provided Initial LE - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370204 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-XX/XX/XXXX - coverage is equal to cost to rebuild - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Replacement Cost Estimator attached. - Seller-XX/XX/XXXX Open-Provide evidence of Guaranteed Replacement Coverage. Hazard policy reflects dwelling coverage ($XXX,XXX) that is less than the combined liens ($XXX,XXX.XX) and cost to replace reflected on the appraisal ($XXX,XXX). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Replacement Cost Estimator attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - coverage is equal to cost to rebuild - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373856 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370198 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370212 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received signed XXXX-C - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Closing copy attached. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received XXXX-C executed at application for BorrowerX - Still missing executed XXXX-C executed at Closing on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing for Borrower X. The only XXXX-T documents in file are for borrower X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Closing copy attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received signed XXXX-C - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370212 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Guidelines require paystubs covering the most recent XX-day time period. Borrower X is paid weekly and paystubs in file only cover a two week time period from XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 370182 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE6618 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-XX/XX/XXXX - received updated and signed final XXXX reflecting subject to be occupied as primary - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the final URLA attached. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - no corrected XXXX was provided reflecting borrower to occupy the subject as his primary. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Final XXXX attached. - Seller-XX/XX/XXXX Counter-The uploaded documentation is not a revised XXXX and addresses a different finding. Please provide corrected final XXXX which reflects borrower intends to occupy subject as primary residence - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see LOE and bank statements attached. The letter of explanation from the borrower stated that his son is making payments through his checking acct. also there is bank statements showing that pymts are coming from his son. - Seller-XX/XX/XXXX Counter-No document uploaded Please provide corrected final XXXX which reflects borrower intends to occupy subject as primary residence - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see update XXXX attached - Seller-XX/XX/XXXX Open-Missing corrected final XXXX which reflects borrower intends to occupy subject as primary residence (Section X-declarations, question A). Declarations section, question A, of initial XXXX and final XXXX that are provided, reflect that borrower will not occupy as primary. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the final URLA attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Final XXXX attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see LOE and bank statements attached. The letter of explanation from the borrower stated that his son is making payments through his checking acct. also there is bank statements showing that pymts are coming from his son. - Seller-XX/XX/XXXX Ready for Review-Please see update XXXX attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received updated and signed final XXXX reflecting subject to be occupied as primary - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 370182 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt Form - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing XXXX executed at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt Form - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 370182 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE0032 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received LOE and XX months bank statement showing payments are made to borrower by son and borrower remit to the mortgage co on behalf of ex-spouse - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Bank statements attached for the last XX months showing transfers from the borrower's son to make pymts on the REO property - Seller-XX/XX/XXXX Counter-Bank statements only cover X month period and do not clearly define the amounts and intent of transfers. Amounts and dates and are inconsistent and do not total monthly PITIA of $XXX for the REO. GL require evidence of XX consecutive payments to exclude. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see LOE and bank statements attached. The letter of explanation from the borrower stated that his son is making payments through his checking acct. also there is bank statements showing that pymts are coming from his son - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements The audited DTI of XX.XX% exceeds guidelines max of XX.XX%. The REO located at XXX XXX St, XXX, XX reflects vesting in the name of the borrower and per Client GLs, the PITIA should be included in the DTI calculation. The REO was awarded to the ex-spouse in their divorce in XXXX and per the agreement the property was to be transferred to the ex-spouse so a refinance could occur by XX/XXXX. However, the transfer has not occurred and the borrower remits the mortgage payments on the property per bank statements in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Bank statements attached for the last XX months showing transfers from the borrower's son to make pymts on the REO property - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see LOE and bank statements attached. The letter of explanation from the borrower stated that his son is making payments through his checking acct. also there is bank statements showing that pymts are coming from his son - Seller-XX/XX/XXXX |
Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received LOE and XX months bank statement showing payments are made to borrower by son and borrower remit to the mortgage co on behalf of ex-spouse - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 370182 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received LOE and XX months bank statement showing payments are made to borrower by son and borrower remit to the mortgage co on behalf of ex-spouse - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Bank statements attached for the last XX months showing transfers from the borrower's son to make pymts on the REO property - Seller-XX/XX/XXXX Counter-Bank statements only cover X month period and do not clearly define the amounts and intent of transfers. Amounts and dates and are inconsistent and do not total monthly PITIA of $XXX for the REO. GL require evidence of XX consecutive payments to exclude. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see LOE and bank statements attached. per LOE and bank statements pymts for the REO are coming from the bwr's son. - Seller-XX/XX/XXXX Open-The audited DTI of XX.XX% exceeds guidelines max of XX.XX%. The REO located at XXX Pine St, XXX, IN reflects vesting in the name of the borrower and per Client GLs, the PITIA should be included in the DTI calculation. The REO was awarded to the ex-spouse in their divorce in XXXX and per the agreement the property was to be transferred to the ex-spouse so a refinance could occur by XX/XXXX. However, the transfer has not occurred and the borrower remits the mortgage payments on the property per bank statements in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Bank statements attached for the last XX months showing transfers from the borrower's son to make pymts on the REO property - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see LOE and bank statements attached. per LOE and bank statements pymts for the REO are coming from the bwr's son. - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received LOE and XX months bank statement showing payments are made to borrower by son and borrower remit to the mortgage co on behalf of ex-spouse - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 370183 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 360800 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Open-Clarification of Client guidelines state Document Standards for Paystubs must identify, in part, gross earnings for the current pay period and year-to-date earnings; Year-to date-earnings must cover the most recent XX-day period. The Matrix requires X paystubs. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - PCA agrees guidelines require recent paystub not XX days pay stub - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Guideline do not require this for wage earners. They state the following- "Wage earners receive a consistent wage or salary from an employer in return for a service rendered and have less than XX percent ownership interest in the business. Compensation XXX be XXXed on an hourly, weekly, biweekly, monthly, or semimonthly XXX is. If the Borrower's earnings are regular, use the monthly gross income to qualify. If a Borrower's hours fluctuate, average the past two years plus year-to-date earnings. All of the following income documentation is required • Most recent paystub(s); • Most recent two years W-Xs; • Verbal verification of employment; and • W-X Tax transcripts for the most recent two years" - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing additional paystub to cover complete XX days. Guidelines require year to date earnings covering the most recent XX day period. One paystub provided for pay period XX/XX/XXXX-XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Guideline do not require this for wage earners. They state the following- "Wage earners receive a consistent wage or salary from an employer in return for a service rendered and have less than XX percent ownership interest in the business. Compensation XXX be XXXed on an hourly, weekly, biweekly, monthly, or semimonthly XXXis. If the Borrower's earnings are regular, use the monthly gross income to qualify. If a Borrower's hours fluctuate, average the past two years plus year-to-date earnings. All of the following income documentation is required • Most recent paystub(s); • Most recent two years W-Xs; • Verbal verification of employment; and • W-X Tax transcripts for the most recent two years" - Seller-XX/XX/XXXX |
Waived-Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - PCA agrees guidelines require recent paystub not XX days pay stub - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | ||||
| 370175 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373798 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Missing paystubs covering most recent XX-day period. Only X paystubs were provided which cover a X-week period as the borrower is paid weekly. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Missing paystubs covering most recent XX-day period. Only X paystubs were provided which cover a X-week period as the borrower is paid weekly. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373798 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1437 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - LOE provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Child support income documentation attached. - Seller-XX/XX/XXXX Open-Income and Employment Do Not Meet Guidelines Missing documentation to evidence regular receipt of the full payment of child support ($XXX/week) for the most recent X months, as required per guidelines. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Child support income documentation attached. - Seller-XX/XX/XXXX |
Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - LOE provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370186 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 360844 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385287 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 360863 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373879 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370189 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370188 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370172 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370219 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This requirement applies only to applications dated XX/XX/XXXX and later, please rescind. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing X paystubs covering most recent XX-day period. Only X paystub was provided which covers a X-week period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This requirement applies only to applications dated XX/XX/XXXX and later, please rescind. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 370219 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE0009 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Missing valid identification for guarantor as required by guidelines | Resolved-XX/XX/XXXX - GA DL provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing Valid Identification for the borrower - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - GA DL provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373897 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | FCRE1152 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Tax Cert$XXXX annual taxes - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Property Taxes Cert attached. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Property Taxes Cert attached. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Tax Cert$XXXX annual taxes - Due Diligence Vendor-XX/XX/XXXX |
Missing Evidence of Property Tax. | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||
| 373897 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | FCRE1253 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Debt | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Tax Cert with annual taxes of $XXXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Property Taxes Cert attached. - Seller-XX/XX/XXXX Open-Missing Property Tax Certificate. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Property Taxes Cert attached. - Seller-XX/XX/XXXX |
Resolved-Property Tax Cert Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Tax Cert with annual taxes of $XXXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373897 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached for both borrowers - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Borrower X - Missing a XXXX-T executed at application / closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached for both borrowers - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373897 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached for both borrowers - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Borrower X - Missing a XXXX-T executed at application / closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached for both borrowers - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373897 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-One month's worth of Paystubs are not required for application before XX/XX/XXXX. Please delete exception. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Borrower X - Missing X paystubs covering most recent XX-day period. Only X paystub was provided which covers a X-week period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-One month's worth of Paystubs are not required for application before XX/XX/XXXX. Please delete exception. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 373897 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received borrower executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing No executed ROR evidencing the borrower had X business days to rescind the refinance was provided in the image file. However, the loan closed on XX/XX/XXXX and disbursed on XX/XX/XXXX, giving the borrower a X-day rescission period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received borrower executed ROR - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373897 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | FCOM1651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Provide executed and notarized Name Affidavit for borrower(s). | Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed and notarized Name Affidavits - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Name Affidavit attached - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received closer executed Patriot Act disclosure, still missing the borrower executed Name Affidavit - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Patriot Acct form attached for both borrowers. - Seller-XX/XX/XXXX Open-Provide executed and notarized Name Affidavit for both borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Name Affidavit attached - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Patriot Acct form attached for both borrowers. - Seller-XX/XX/XXXX |
Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed and notarized Name Affidavits - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373897 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received closer executed Patriot Act disclosure - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Patriot Acct form attached for both borrowers. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Patriot Acct form attached for both borrowers. - Seller-XX/XX/XXXX |
Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received closer executed Patriot Act disclosure - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373897 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | finding-555 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | MD Credit Regulations Covered Loan Points and Fees Threshold Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the points and fees threshold test due to one of the following findings: ( MD HB XXX , Md. Code Ann., Com. Law §XX-XXX.X(a)(X))The latest available closing date (or date creditor received application) is on or after XX/XX/XXXX and the date creditor received application is before XX/XX/XXXX, and the total points and fees, as defined in HOEPA (Section XX), payable by the consumer at or before loan closing exceed the greater of X% of the total loan amount, as defined in HOEPA (Section XX), or$XXXX.XX; orThe date creditor received application is on or after XX/XX/XXXX, and either:The loan amount is$XXXX or more, and the transaction's total points and fees is$XXXX, which exceeds X percent of the total loan amount of$XXXX; orThe loan amount is less than$XXXX and the transaction's total points and fees is$XXXX, which exceeds the lesser of X percent of the total loan amount of$XXXX or$XXXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 360808 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370232 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373878 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370169 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1335 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower X IRS Transcripts Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX IRS Transcripts - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX tax return transcript attached; XXXX w2 transcript appears to be an IRS error. - Seller-XX/XX/XXXX Open-Borrower X IRS Transcripts Missing Please provide w2 transcripts for XXXX for Borrower. The executed transcript reflects "No record of return filed' however, a w2 form for XXXX was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX tax return transcript attached; XXXX w2 transcript appears to be an IRS error. - Seller-XX/XX/XXXX |
Resolved-Borrower X IRS Transcripts Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX IRS Transcripts - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 370166 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370217 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370203 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-Per Investor GL clarification: This disaster does not require reinspection as no individual assistance has been approved for Broward County. - Due Diligence Vendor-XX/XX/XXXX Open-Per FEMA Disaster Declaration # XX-XXXX-XX, the subject's state was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Per Investor GL clarification: This disaster does not require reinspection as no individual assistance has been approved for Broward County. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | |||||
| 370203 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCOM4636 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section XXXed on ability to shop | Resolved-XX/XX/XXXX - received corrective PCCD reflecting cash to borrower of $XXXX with$XXXX cure reimbursement and pay history reflecting it was applied to principal balance of subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-PCCD provided reflects incorrect Cash to Close, as the borrower received cash out on this transaction of $XXXX. The PCCD also reflects an increase in the Flood Cert which triggered a tolerance violation. See additional Findings for Charges that Cannot Increase. Please provide corrected PCCD, copy of reimbursement check and evidence of delivery. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD attached. - Seller-XX/XX/XXXX Open-The final CD reflects the Notary Fee in section B, however the borrower chose their own service provider, Coastal Title Services, and therefore that fee should be in section C. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received corrective PCCD reflecting cash to borrower of $XXXX with$XXXX cure reimbursement and pay history reflecting it was applied to principal balance of subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 370203 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1437 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Seller provided lease agreement at $XXXX gross monthly for subject. Seller included full amount in income rather than XX%. Audit included full PITIA with no rental income from subject in qualifying ratios. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see Rental Lease Agreement attached - Seller-XX/XX/XXXX Open-Income and Employment Do Not Meet Guidelines Lender included$XXXX of net rental income in qualification. However documentation as required per guidelines to support rental income is not in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please see Rental Lease Agreement attached - Seller-XX/XX/XXXX |
Resolved-Seller provided lease agreement at $XXXX gross monthly for subject. Seller included full amount in income rather than XX%. Audit included full PITIA with no rental income from subject in qualifying ratios. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 370203 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE0034 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Credit History and Liabilities Was Not Properly Considered | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-Seller provided documentation - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Property tax, and HOA documents attached. Per the LOE from the borrower, HOI policy is not applicable. - Seller-XX/XX/XXXX Open-Missing documentation detailing insurance, property tax and HOA obligations for investment property located at XXXX NE X3rd Street. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Property tax, and HOA documents attached. Per the LOE from the borrower, HOI policy is not applicable. - Seller-XX/XX/XXXX |
Resolved-Seller provided documentation - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 370203 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX cure reimbursement and pay history reflecting it was applied to principal balance of subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and pymt History showing a cure for$XXXX due to increase in flood cert. This kind of cure does not need a proof of delivery to borrower due to PCCD submitted via regular mail and cure was applied as principal reduction. - Seller-XX/XX/XXXX Open-The Flood Cert fee increased from$XXXX on the XXXeline LE to $X.XX on the PCCD. Please provide corrected PCCD, copy of reimbursement check and evidence of delivery. Your total tolerance violation is$XXXX. This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and pymt History showing a cure for$XXXX due to increase in flood cert. This kind of cure does not need a proof of delivery to borrower due to PCCD submitted via regular mail and cure was applied as principal reduction. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX cure reimbursement and pay history reflecting it was applied to principal balance of subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 370203 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX cure reimbursement and pay history reflecting it was applied to principal balance of subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and pymt History showing a cure for$XXXX due to increase in flood cert. This kind of cure does not need a proof of delivery to borrower due to PCCD submitted via regular mail and cure was applied as principal reduction. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The Flood Cert fee increased from$XXXX on the XXXeline LE to $X.XX on the PCCD. Please provide corrected PCCD, copy of reimbursement check and evidence of delivery. Your total tolerance violation is$XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and pymt History showing a cure for$XXXX due to increase in flood cert. This kind of cure does not need a proof of delivery to borrower due to PCCD submitted via regular mail and cure was applied as principal reduction. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX cure reimbursement and pay history reflecting it was applied to principal balance of subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 370203 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX cure reimbursement and pay history reflecting it was applied to principal balance of subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and pymt History showing a cure for$XXXX due to increase in flood cert. This kind of cure does not need a proof of delivery to borrower due to PCCD submitted via regular mail and cure was applied as principal reduction. - Seller-XX/XX/XXXX Open-The Flood Cert fee increased from$XXXX on the XXXeline LE to $X.XX on the PCCD. Please provide corrected PCCD, copy of reimbursement check and evidence of delivery. Your total tolerance violation is$XXXX. The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and pymt History showing a cure for$XXXX due to increase in flood cert. This kind of cure does not need a proof of delivery to borrower due to PCCD submitted via regular mail and cure was applied as principal reduction. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX cure reimbursement and pay history reflecting it was applied to principal balance of subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 360829 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373816 | XXXX | XXXX | C | B | B | B | C | B | N/A | N/A | Closed | FCRE1329 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Waived-Borrower X w2X/XXXX Less Than XX Months Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X w2X/XXXX Less Than XX Months Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373816 | XXXX | XXXX | C | B | B | B | C | B | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and Pymt history attached showing a cure for $XX.XX. Cure was applied as Principal reduction so we don't need a proof of delivery since is already been applied the cure. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - The XX% tolerance variance amount required to cure is $XX.XX. The X% tolerance was cured with the PCCD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review this request for a cure one more time? After reviewing my previous conclusion regarding this file does not need any additional cure after doing a new review I concluded that the cure that we XXX need is for the total amount of $XXX.XX after to discount lender credit of $XXX.XX. I attached an Excel spreadsheet for the breakdown of all fees from the initial Loan E. to the final CD also I attached all Loan E. and CDs. If you do not agree, please advise and let us know the total cure that we need to apply to this file. Thank you - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - PCA response: The initial LE through the revised LEs included title fees that were removed on initial CD and therefore not included in the XX% threshold calculation. Additional title service fees were added on the initial CD without a COC causing the tolerance variance. Received seller response: "No cure is needed. The initial charges disclosure for settlement charges were $X,XXX.XX + $XXXX.XX Recording fees. total of $X,XXX.XX vs final the amount disclosed in the final CD for $XXXX.XX + Recording fees $XXX.XX = $X,XXX.XX which is less than the original amount disclosed on the initial LE. The final CD shows a Lender credit for $XXX.XX. even if we compared only the initial settlement charges for $X,XXX.XX plus XX% allowed = $XXX.XX total of $XXXX.XX; The lender credit will cover any increase in the settlement charges." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-No cure is needed. The initial charges disclosure for settlement charges were $X,XXX.XX + $XXXX.XX Recording fees. total of $X,XXX.XX vs final the amount disclosed in the final CD for $XXXX.XX + Recording fees $XXX.XX = $X,XXX.XX which is less than the original amount disclosed on the initial LE. The final CD shows a Lender credit for $XXX.XX. even if we compared only the initial settlement charges for $X,XXX.XX plus XX% allowed = $XXX.XX total of $XXXX.XX; The lender credit will cover any increase in the settlement charges. - Seller-XX/XX/XXXX Open-**The total tolerance variance is $XXX.XX; however, the PCCD reflects a tolerance cure of $XXX for the X% tolerance variance. The outstanding tolerance violation due to the borrower for the XX% tolerance variance is $XX.XX. Title Service Fees increased from $X,XXX to $X,XXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XX.XX to cure the XX% tolerance variance. This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii)). The loan contains third-party services that the consumer was permitted to shop for, and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and Pymt history attached showing a cure for $XX.XX. Cure was applied as Principal reduction so we don't need a proof of delivery since is already been applied the cure. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review this request for a cure one more time? After reviewing my previous conclusion regarding this file does not need any additional cure after doing a new review I concluded that the cure that we XXX need is for the total amount of $XXX.XX after to discount lender credit of $XXX.XX. I attached an Excel spreadsheet for the breakdown of all fees from the initial Loan E. to the final CD also I attached all Loan E. and CDs. If you do not agree, please advise and let us know the total cure that we need to apply to this file. Thank you - Seller-XX/XX/XXXX Ready for Review-No cure is needed. The initial charges disclosure for settlement charges were $X,XXX.XX + $XXXX.XX Recording fees. total of $X,XXX.XX vs final the amount disclosed in the final CD for $XXXX.XX + Recording fees $XXX.XX = $X,XXX.XX which is less than the original amount disclosed on the initial LE. The final CD shows a Lender credit for $XXX.XX. even if we compared only the initial settlement charges for $X,XXX.XX plus XX% allowed = $XXX.XX total of $XXXX.XX; The lender credit will cover any increase in the settlement charges. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373816 | XXXX | XXXX | C | B | B | B | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and Pymt history attached showing a cure for $XX.XX. Cure was applied as Principal reduction so we don't need a proof of delivery since is already been applied the cure. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - The XX% tolerance variance amount required to cure is $XX.XX. The X% tolerance was cured with the PCCD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review this request for a cure one more time? After reviewing my previous conclusion regarding this file does not need any additional cure after doing a new review I concluded that the cure that we XXX need is for the total amount of $XXX.XX after to discount lender credit of $XXX.XX. I attached an Excel spreadsheet for the breakdown of all fees from the initial Loan E. to the final CD also I attached all Loan E. and CDs. If you do not agree, please advise and let us know the total cure that we need to apply to this file. Thank you - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - PCA response: The initial LE through the revised LEs included title fees that were removed on initial CD and therefore not included in the XX% threshold calculation. Additional title service fees were added on the initial CD without a COC causing the tolerance variance. Received seller response: "No cure is needed. The initial charges disclosure for settlement charges were $X,XXX.XX + $XXXX.XX Recording fees. total of $X,XXX.XX vs final the amount disclosed in the final CD for $XXXX.XX + Recording fees $XXX.XX = $X,XXX.XX which is less than the original amount disclosed on the initial LE. The final CD shows a Lender credit for $XXX.XX. even if we compared only the initial settlement charges for $X,XXX.XX plus XX% allowed = $XXX.XX total of $XXXX.XX; The lender credit will cover any increase in the settlement charges." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-No cure is needed. The initial charges disclosure for settlement charges were $X,XXX.XX + $XXXX.XX Recording fees. total of $X,XXX.XX vs final the amount disclosed in the final CD for $XXXX.XX + Recording fees $XXX.XX = $X,XXX.XX which is less than the original amount disclosed on the initial LE. The final CD shows a Lender credit for $XXX.XX. even if we compared only the initial settlement charges for $X,XXX.XX plus XX% allowed = $XXX.XX total of $XXXX.XX; The lender credit will cover any increase in the settlement charges. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The total tolerance variance is $XXX.XX; however, the PCCD reflects a tolerance cure of $XXX for the X% tolerance variance. The outstanding tolerance violation due to the borrower for the XX% tolerance variance is $XX.XX. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and Pymt history attached showing a cure for $XX.XX. Cure was applied as Principal reduction so we don't need a proof of delivery since is already been applied the cure. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review this request for a cure one more time? After reviewing my previous conclusion regarding this file does not need any additional cure after doing a new review I concluded that the cure that we XXX need is for the total amount of $XXX.XX after to discount lender credit of $XXX.XX. I attached an Excel spreadsheet for the breakdown of all fees from the initial Loan E. to the final CD also I attached all Loan E. and CDs. If you do not agree, please advise and let us know the total cure that we need to apply to this file. Thank you - Seller-XX/XX/XXXX Ready for Review-No cure is needed. The initial charges disclosure for settlement charges were $X,XXX.XX + $XXXX.XX Recording fees. total of $X,XXX.XX vs final the amount disclosed in the final CD for $XXXX.XX + Recording fees $XXX.XX = $X,XXX.XX which is less than the original amount disclosed on the initial LE. The final CD shows a Lender credit for $XXX.XX. even if we compared only the initial settlement charges for $X,XXX.XX plus XX% allowed = $XXX.XX total of $XXXX.XX; The lender credit will cover any increase in the settlement charges. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373816 | XXXX | XXXX | C | B | B | B | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-Remediation after TPR file review was within XX days of discovery. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Remediation after TPR file review was within XX days of discovery. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373816 | XXXX | XXXX | C | B | B | B | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373772 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370223 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373771 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373739 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370150 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 370163 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 373843 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373768 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373828 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1623 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Final 1008 Uniform Underwriting and Transmittal Summary | Resolved-XX/XX/XXXX - received updated XXXX with subject P&I and DTI XX.XX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Correction attached; system error prevented correct display of DTI. - Seller-XX/XX/XXXX Open-Missing the final XXXX that reflects the subject P&I in the DTI calculation. The XXXX provided does not reflect the subject payment of $XXX.XX, the resulting DTI is XX.XX% versus the lenders approval DTI of XX.XXX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Correction attached; system error prevented correct display of DTI. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received updated XXXX with subject P&I and DTI XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375828 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375828 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCOM7070 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Settlement Agent is missing | Resolved-XX/XX/XXXX - received executed Final CD with settlement info completed - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Consummation CD showing the Settlement provider information attached - Seller-XX/XX/XXXX Open-The Final CD is missing the Settlement Provider name and contact information on page X in the Contact Info section. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Consummation CD showing the Settlement provider information attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed Final CD with settlement info completed - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375829 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373914 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 370184 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-One month's worth of Paystubs are not required for application before XX/XX/XXXX. Please delete the exception. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing paystubs covering most recent XX-day period. Only X paystubs were provided which covers a X-week period as the borrower is paid weekly. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-One month's worth of Paystubs are not required for application before XX/XX/XXXX. Please delete the exception. - Seller-XX/XX/XXXX |
Waived-Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 370184 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE6546 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-XX/XX/XXXX - senior note provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Senior Lien Note attached. - Seller-XX/XX/XXXX Open-Missing the Note for the senior lien, unable to determine eligibility - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Senior Lien Note attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - senior note provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373870 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 373746 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 370140 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370234 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXT from both borrowers. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Borrower X - Missing a XXXX-T executed at application / closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXT from both borrowers. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370234 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXT from both borrowers. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Borrower X - Missing a XXXX-T executed at application / closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXT from both borrowers. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370234 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM4636 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section XXXed on ability to shop | Resolved-Seller provided corrected PCCD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the PCCD attached showing settlement charges in section C - Seller-XX/XX/XXXX Open-All Closing Disclosures show shopped fees in section B. The Service Provider List reflects provider, XXX Title for settlement and title services. The borrower chose Timios Title and therefore those shopped fees should be reflected in section C. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the PCCD attached showing settlement charges in section C - Seller-XX/XX/XXXX |
Resolved-Seller provided corrected PCCD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 360836 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373842 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373781 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373791 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1659 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Income/Employment | Rental income not correctly calculated, documented, entered or rationalized | Resolved-XX/XX/XXXX - received updated final XXXX reflecting net rental income of -$XXX.XX and DTI of XX.XXX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-No worksheet provided for rental income calculation on subject. Audit worksheet using XXXX taxes shows -XXX.XX. Using leases $XXXX x XX% = $XXXX - $XXXX.XX PITIA subj = -$XXXX.XX. Seller used a positive net rental income of $XXXX.XX not supported. Resulting DTI is XX.XX%% versus lender's DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received updated final XXXX reflecting net rental income of -$XXX.XX and DTI of XX.XXX% - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AK | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 370227 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373882 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1333 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - WVOE provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X WVOE Missing Please provide WVOE noted as uploaded on XXXX (pg XX) that supports YTD average commission, bonus and PTO income - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X WVOE Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - WVOE provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 385341 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1208 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received complete executed Note - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the complete Note attached. - Seller-XX/XX/XXXX Open-The Note is Incomplete Missing the completed executed Note, only page X was only provided, loan terms were gleaned from the Mortgage and Final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the complete Note attached. - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received complete executed Note - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375830 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX uploaded. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application and closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373900 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXX-C signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXX-C signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373900 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FVAL1310 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved-XX/XX/XXXX - received Project Approval and HOA Questionnaire - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see HOA questionnaire attached. - Seller-XX/XX/XXXX Open-Please provide the HOA/ Condo questionaire. Documentation in file (pg XXX) indicates subject condo complies with the FNMA/FHLMC condo guidelines but requires a completed form XXXX. This form is not in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see HOA questionnaire attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received Project Approval and HOA Questionnaire - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373827 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373802 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 370238 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 370190 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing X paystubs covering most recent XX-day period. Only X paystub was provided which covers a X-week period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 370167 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX Counter-Confirmation of Investor Guidelines require X paystubs regardless of time period covered - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Loan program only requires most recent paystub with YTD covering at least a XX day period. No 2nd paystub is required. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing X paystubs covering most recent XX-day period. Only X paystub was provided which covers a X-week period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX Ready for Review-Loan program only requires most recent paystub with YTD covering at least a XX day period. No 2nd paystub is required. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 370181 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NE | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 373834 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373886 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Missing X paystubs covering most recent XX-day period. Only X paystub was provided which covers a X-week period. Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Borrower X Paystubs Less Than X Month Provided Missing X paystubs covering most recent XX-day period. Only X paystub was provided which covers a X-week period. Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375831 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCOM1221 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received recorded DOT recorded in Wake County - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the final DOT attached. looks like the DOT was recorded in Wake County NC - Seller-XX/XX/XXXX Open-The Deed of Trust reflects subject is in Harnett County, however the legal description reflects it is in Wake County. DOT is not recorded, therefore unable to determine what county deed was recorded in. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the final DOT attached. looks like the DOT was recorded in Wake County NC - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received recorded DOT recorded in Wake County - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 370148 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373893 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received updated policy with coverage of $X,XXX,XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the New HOI Policy attached. Bwr got a new Hazard insurance policy since XX/XX/XXXX - Seller-XX/XX/XXXX Open-Provide evidence of Guaranteed Replacement Coverage. Hazard policy reflects dwelling coverage of $XXX,XXX which is less than the total the combined liens of $X,XXX,XXX and no cost to re-build was provided or extended replacement cost coverage reflected on the policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the New HOI Policy attached. Bwr got a new Hazard insurance policy since XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received updated policy with coverage of $X,XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373902 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373849 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3542 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date test (waiting period required).( XX CFR §XXXX.XX(f)(X)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXXX.XX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXXX.XX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXXX.XX(o)(X) becomes inaccurate, as defined in §XXXX.XX.(B) The loan product is changed, causing the information disclosed under §XXXX.XX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXXX.XX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXXX.XX(f)(X)(i) no later than three business days before consummation. The APR changed by more than the .XXX threshold from the initial CD to the revised XX/XX/XXXX CD. The loan closed on XX/XX/XXXX, which was less than X business days after the disclosed APR change. This loan failed the revised closing disclosure delivery date test (waiting period required).( XX CFR §XXXX.XX(f)(X)(ii) ) The revised closing disclosure delivery requires a new waiting period, and the revised closing disclosure receipt date is provided, and the revised closing disclosure receipt date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date or closing / settlement date if no consummation date is provided, of the transaction. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 385329 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 370193 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - re-inspection dated XX/XX/XXXX provided, reflects no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached, no damage. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XX-XXXX-XX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XXX. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached, no damage. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - re-inspection dated XX/XX/XXXX provided, reflects no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 405566 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 373778 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375832 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 375832 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 373844 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373744 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 370233 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370214 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide evidence of Guaranteed Replacement Coverage. Hazard policy reflects dwelling coverage is less than the total the combined liens and however no cost to re-build was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373738 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370173 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373784 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 373915 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373817 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375834 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370142 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375835 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370168 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Guidelines require paystubs covering the most recent XX-day period. Borrower is paid weekly; only X weekly paystubs are in file covering the following pay periods: XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 370187 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Title report attached showing recorded 1st lien for the amount of $XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see update Title report attached showing recorded 1st lien for the amount of $XXX,XXX.XX - Seller-XX/XX/XXXX Counter-Provided documentation was in file and reviewed at Audit and does not resolve the finding. Title (pg.XXX) indicated no open Mortgages/Deed of Trusts found on record; however, the application, 1st lien Note, credit report and VOM in file reflect and confirm an outstanding VA loan dated X.XX.XXXX. Please provide corrected/updated Title Report reflecting current outstanding 1st mortgage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property Title Issue Title (pg.XXX) indicated no open Mortgages/Deed of Trusts found on record; however, the first page of the title (pg.XXX) confirms the Deed Date of XX/XX/XXXX for Deed Instrument XXXXX which was recorded on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see update Title report attached showing recorded 1st lien for the amount of $XXX,XXX.XX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Title report attached showing recorded 1st lien for the amount of $XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370187 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC X.XX + appraisal invoice supporting change amount pg XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Consummation CD issued on XX/XX/XXXX, Closing date XX/XX/XXXX, signed by bwr the same date, and Disbursement date XX/XX/XXXX. This document was included on the original binder Page # XXX to XXX. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Consummation CD issued on XX/XX/XXXX, Closing date XX/XX/XXXX, signed by bwr the same date, and Disbursement date XX/XX/XXXX. This document was included on the original binder Page # XXX to XXX. - Seller-XX/XX/XXXX |
Resolved-COC X.XX + appraisal invoice supporting change amount pg XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370143 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE6636 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Income - Award Letter | Resolved-XX/XX/XXXX - PCA agrees to accept VA Award letter as income verification - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The VA Award Letter is the documentation to support the current income, as it has no defined expiration date and is therefore considered stable, predictable, and likely to continue. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - GLs state that additional documentation to evidence continuance of income is not required, however documentation to support the current income amount is necessary to determine accurate calculation of the DTI. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required per guidelines for Permanent Disability: "In cases where the income does not have a defined expiration date, the income XXX be considered stable, predictable, and likely to continue. The Borrower will not be required to provide additional documentation evidencing continuance of the income." - Seller-XX/XX/XXXX Open-Please provide a current VA Award Letter, the copy in file is from XXXX. The letter also has a handwritten note indicating income is now XX% and less than the amount stated on the letter. Need documentation verifying current VA income received. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The VA Award Letter is the documentation to support the current income, as it has no defined expiration date and is therefore considered stable, predictable, and likely to continue. - Seller-XX/XX/XXXX Ready for Review-Not required per guidelines for Permanent Disability: "In cases where the income does not have a defined expiration date, the income XXX be considered stable, predictable, and likely to continue. The Borrower will not be required to provide additional documentation evidencing continuance of the income." - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - PCA agrees to accept VA Award letter as income verification - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 370216 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370220 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This requirement applies only to applications dated XX/XX/XXXX and later. Please rescind this finding. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing X paystubs covering most recent XX-day period. Only X paystub was provided which covers a X-week period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This requirement applies only to applications dated XX/XX/XXXX and later. Please rescind this finding. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 370220 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1316 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The VVOE is dated XX/XX/XXXX, which references the date the CoreLogic report was re-pulled. This is acceptable documentation, and the actual copy of the CoreLogic report is not required. Please rescind this finding. The attached is provided solely to demonstrate the reliability of the Seller VVOE form, it is not required to be in the binder. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing The VVOE indicates employment verified via CoreLogic but the CoreLogic report in file dated XX/XX/XXXX is more than XX business days prior to the loan closing date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The VVOE is dated XX/XX/XXXX, which references the date the CoreLogic report was re-pulled. This is acceptable documentation, and the actual copy of the CoreLogic report is not required. Please rescind this finding. The attached is provided solely to demonstrate the reliability of the Seller VVOE form, it is not required to be in the binder. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373774 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 373793 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373859 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing No executed ROR evidencing the borrower had X business days to rescind the refinance was provided in the image file. However, the loan closed on XX/XX/XXXX and disbursed on XX/XX/XXXX, giving the borrower a X-day rescission period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 373859 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Provide executed and notarized Name Affidavit for borrower(s). | Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Name Affidavit - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Signature/Name Affidavit attached. - Seller-XX/XX/XXXX Open-Provide executed and notarized Name Affidavit - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Signature/Name Affidavit attached. - Seller-XX/XX/XXXX |
Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Name Affidavit - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 370144 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373851 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373851 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 370202 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373819 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373917 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373860 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375837 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402041 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 370231 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Seller provided executed XXXX for bX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing for borrower X. Both XXXX-T documents in file are for borrower X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Seller provided executed XXXX for bX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370231 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Guidelines require paystubs covering the most recent XX-day period. Borrower #X is paid weekly but only X paystubs are in file covering pay periods from XX/XX/XXXX-XX/XX/XXXX. The Xth paystub is cut off and not fully legible. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 375839 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1623 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Final 1008 Uniform Underwriting and Transmittal Summary | Resolved-XX/XX/XXXX - received updated XXXX with DTI of XX.XXX and other monthly payment of$XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see update XXXX attached. - Seller-XX/XX/XXXX Open-Missing the final XXXX. The XXXX provided reflects all other monthly payment used to qualify of$XXXX, actual amount is$XXXX. Reflected DTI of XX.XXX% is erroneous, actual DTI is XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see update XXXX attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received updated XXXX with DTI of XX.XXX and other monthly payment of$XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 370146 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375840 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCOM1266 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received HOC issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached documents for Homeownership counseling list - Seller-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached documents for Homeownership counseling list - Seller-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received HOC issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375840 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCOM2562 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received initial LE with servicer intent verbiage - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided an Initial Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received initial LE with servicer intent verbiage - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 375840 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received final CD signed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing the executed Final CD, compliance testing is incomplete. Additional Findings XXX apply upon receipt and review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received final CD signed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375840 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XXXX - received initial CD received XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Initial CD XX/XX/XXXX attached - Seller-XX/XX/XXXX Open-Missing the initial CD and evidence the borrower received the disclosure X days prior to consummation, compliance testing is incomplete. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Initial CD XX/XX/XXXX attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received initial CD received XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375840 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - received initial LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Initial LE dated XX/XX/XXXX - Seller-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Also missing any redisclosed LE's and COC documentation. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Initial LE dated XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received initial LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375840 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCRE0032 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received borrower LOE stating Borrower X does not file tax returns since income threshold not met, less than $XXk/yr. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Co-Bwr's income is less than XXK per year which means that bX is not required to fill taxes since is less than limited to fill taxes. see SS Income and LOE letter attached. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements Missing documentation to support borrower X social security income is not taxable and can be increased by XX%. IRS Transcripts show no record of return for borrower X but tax transcripts for the spouse/borrower X indicate a portion of the social security income is taxable. Using the reported income for social security benefits stated on the award letter causes the DTI to increase from XX.XXX% to XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Co-Bwr's income is less than XXK per year which means that bX is not required to fill taxes since is less than limited to fill taxes. see SS Income and LOE letter attached. - Seller-XX/XX/XXXX |
Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received borrower LOE stating Borrower X does not file tax returns since income threshold not met, less than $XXk/yr. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375840 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received borrower LOE stating Borrower X does not file tax returns since income threshold not met, less than $XXk/yr. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Co-Bwr's income is less than XXK per year whioch means that bX is not required to fill taxes since is less than limited to fill taxes. see SS Income and LOE letter attached. - Seller-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX.XX% Missing documentation to support borrower X social security income is not taxable and can be increased by XX%. IRS Transcripts show no record of return for borrower X but tax transcripts for the spouse/borrower X indicate most of the social security income is taxable. Using the reported income for social security benefits stated on the award letter causes the DTI to increase from XX.XXX% to XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Co-Bwr's income is less than XXK per year whioch means that bX is not required to fill taxes since is less than limited to fill taxes. see SS Income and LOE letter attached. - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received borrower LOE stating Borrower X does not file tax returns since income threshold not met, less than $XXk/yr. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375840 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCOM9963 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - received Right to Copy of Appraisal issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached documents related to right to received an appraisal between X business days - Seller-XX/XX/XXXX Open-Missing evidence borrower was provided the “Right to Receive Appraisal” disclosure or an initial LE that includes the appraisal notice within X days of the application date - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached documents related to right to received an appraisal between X business days - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received Right to Copy of Appraisal issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375840 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 375840 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375840 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD Attached. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD Attached. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 370224 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXXXXXX - Seller-XX/XX/XXXX Counter-Confirmation of Investor Guidelines require X paystubs regardless of time period covered - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Loan program only requires most recent paystub with YTD covering at least a XX day period. No 2nd paystub is required. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing X paystubs covering most recent XX-day period for employer, University of XXXX. Only X paystub was provided which covers a X-week period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-XXXXXXXX - Seller-XX/XX/XXXX Ready for Review-Loan program only requires most recent paystub with YTD covering at least a XX day period. No 2nd paystub is required. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 373888 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXT attached for both borrowers - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXT attached for both borrowers - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373888 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXT attached for both borrowers - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXT attached for both borrowers - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373888 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received ROR signed by both borrowers - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the NORTC attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing Please provide an executed Right of Rescission for BX and BX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the NORTC attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received ROR signed by both borrowers - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373888 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Provide executed and notarized Name Affidavit for borrower(s). | Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - executed and notarized Name Affidavits provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Name Affidavit attached - Seller-XX/XX/XXXX Open-Provide executed and notarized Name Affidavit - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Signature/Name Affidavit attached - Seller-XX/XX/XXXX Open-Provide executed and notarized Name Affidavit Please provide executed name Affidavit for BX and BX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Name Affidavit attached - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Signature/Name Affidavit attached - Seller-XX/XX/XXXX |
Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - executed and notarized Name Affidavits provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373888 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE0009 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Missing valid identification for guarantor as required by guidelines | Resolved-XX/XX/XXXX - received closer signed Patriot Act with IDs - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Patriot Act Form attached for both borrowers. - Seller-XX/XX/XXXX Open-Please provide valid identification for BX and BX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Patriot Act Form attached for both borrowers. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received closer signed Patriot Act with IDs - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373888 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1316 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | A | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please VVOE attached - Seller-XX/XX/XXXX Rescinded-XX/XX/XXXX – lender confirmation of the VVOE performed within XX days prior to close was provided. - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing VVOE indicates employment verified prior to close via The Work Number. Copy of The Work Number report dated within XX business days of closing missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please VVOE attached - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Rescinded-XX/XX/XXXX – lender confirmation of the VVOE performed within XX days prior to close was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373888 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received closer-signed Patriot Act - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Patriot act attached. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Patriot act attached. - Seller-XX/XX/XXXX |
Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received closer-signed Patriot Act - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375841 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 370195 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE0019 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Residency Documentation is Missing | Resolved-Seller provided copy of a valid and current permanent resident card - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached; apologies for the error in prior submission. - Seller-XX/XX/XXXX Counter-No document attached/uploaded. Please re-upload curative documentation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower is a Permanent Resident, however file is missing copy of a valid and current permanent resident card; or a passport stamped "processed for I-XXX" or a copy of the expired permanent resident card and a copy of form I-XXX confirming receipt of the application to replace expired card. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached; apologies for the error in prior submission. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Seller provided copy of a valid and current permanent resident card - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373796 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370201 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1623 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Final 1008 Uniform Underwriting and Transmittal Summary | Resolved-Seller provided updated XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see update XXXX attached. - Seller-XX/XX/XXXX Open-Missing final XXXX with correct interest rate, 2nd mortgage payment and DTIs. XXXX provided (pg XX) reflects interest rate of XX.XX%, however loan closed with rate of XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see update XXXX attached. - Seller-XX/XX/XXXX |
Resolved-Seller provided updated XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 373898 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received the XXXX-C signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received the XXXX-C signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373898 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1265 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received non-borrower executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC attached - Seller-XX/XX/XXXX Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form No executed ROR evidencing the non-borrower had X business days to rescind the refinance was provided in the image file. However, the loan closed on XX/XX/XXXX and disbursed on XX/XX/XXXX, giving the non-borrower a X-day rescission period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC attached - Seller-XX/XX/XXXX |
Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received non-borrower executed ROR - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373898 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX received executed ROR for borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing No executed ROR evidencing the borrower had X business days to rescind the refinance was provided in the image file. However, the loan closed on XX/XX/XXXX and disbursed on XX/XX/XXXX, giving the borrower a X-day rescission period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX received executed ROR for borrower - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373898 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Provide executed and notarized Name Affidavit for borrower(s). | Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed and notarized Name Affidavits - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Signature.Name Affidavit attached, - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received closer executed Patriot Act disclousure - still missing the executed Name Affidavit signed by the borrower. - Due Diligence Vendor-XX/XX/XXXX Open-Provide executed and notarized Name Affidavit - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Patriot Act form attached. - Seller-XX/XX/XXXX Open-Provide executed and notarized Name Affidavit Please provide same name Nffidavit - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Signature.Name Affidavit attached, - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Patriot Act form attached. - Seller-XX/XX/XXXX |
Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed and notarized Name Affidavits - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373898 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM0018 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received appraiser's conv log reflecting report sent to borrower XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the proof of appraisal been delivered to our borrower attached. - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Please provide evidence that BX received copy of appraisal - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the proof of appraisal been delivered to our borrower attached. - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received appraiser's conv log reflecting report sent to borrower XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373898 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE0009 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Missing valid identification for guarantor as required by guidelines | Resolved-XX/XX/XXXX - received closer executed Patriot Act disclosure with copies of Selleroto IDs for both borrower and non-borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Patriot act Form attached. - Seller-XX/XX/XXXX Open-Please provide proof of Identification for BX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Patriot act Form attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received closer executed Patriot Act disclosure with copies of Selleroto IDs for both borrower and non-borrower - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373898 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-XX/XX/XXXX - received appraiser's convo log reflecting report was email to the borrower XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the proof of appraisal been delivered to our borrower attached. - Seller-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained, however no disclosure was issued to the borrowers within three business days after receiving the consumers’ application stating that they are entitled to a free copy of any appraisal, Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the proof of appraisal been delivered to our borrower attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received appraiser's convo log reflecting report was email to the borrower XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375842 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 370153 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-Per Investor GL clarification: This disaster does not require reinspection as no individual assistance has been approved for XXXX County. - Due Diligence Vendor-XX/XX/XXXX Open-Per FEMA Disaster Declaration Hurricane Debby (XX-XXXX-XX) subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Per Investor GL clarification: This disaster does not require reinspection as no individual assistance has been approved for XXXX County. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 370153 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1162 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-XX/XX/XXXX - received Flood Cert reflecting Life of Loan determination. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see flood cert showing "file of the loan" on section F - Seller-XX/XX/XXXX Counter-"Life of Loan" statement is generally indicated in either Section E or in the Date of Determination section. No "Life of Loan" verbiage appears on this flood certificate. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Could you please kindly indicate in what section of the Flood certificate indicates that is not for Life of the Loan? Thank you - Seller-XX/XX/XXXX Open-Please provide Flood Cert with LIfe of Loan language - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see flood cert showing "file of the loan" on section F - Seller-XX/XX/XXXX Ready for Review-Could you please kindly indicate in what section of the Flood certificate indicates that is not for Life of the Loan? Thank you - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received Flood Cert reflecting Life of Loan determination. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373853 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373815 | XXXX | XXXX | B | A | A | A | B | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Patriot Act form from both borrowers. - Seller-XX/XX/XXXX Open-US Patriot Act Disclosure Partially Provided Missing the closer executed Patriot Act Information For for Borrower X along with Selleroto ID information - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Patriot Act form from both borrowers. - Seller-XX/XX/XXXX |
Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373755 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX signed by both borrowers at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form from both bwrs attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing XXXX-C executed at application and at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form from both bwrs attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX signed by both borrowers at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373755 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX signed by both borrowers at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form from both bwrs attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing XXXX-C executed at application and at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form from both bwrs attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX signed by both borrowers at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373789 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with$XXXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Completed cure docs attached. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received seller response: "The rate increased, and therefore discount points were added to offset the increase, because the CLTV increased over XX% because the appraised value of the property was lower than anticipated. The increase over XX% CLTV was the change of circumstance that affected the XXXe rate, and the discount points were added to retain the same final rate disclosed to the borrower." PCA response: Missing a written COC that accompanies the initial CD for the increase to Points or reimbursement to the borrower for$XXXX to cure the tolerance variance. The interest rate remained at XX.XXX% from the initial LE through final CD and the appraisal was completed XX/XX/XXXX. The initial CD which reflects an increase to Points and lower Est. Prop Value was issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The rate increased, and therefore discount points were added to offset the increase, because the CLTV increased over XX% because the appraised value of the property was lower than anticipated. The increase over XX% CLTV was the change of circumstance that affected the XXXe rate, and the discount points were added to retain the same final rate disclosed to the borrower. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is$XXXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Points increased from $X to$XXXX on the XXXeline disclosure to Final CD without a written COC. Missing evidence the borrower was reimbursed$XXXX for the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Completed cure docs attached. - Seller-XX/XX/XXXX Ready for Review-The rate increased, and therefore discount points were added to offset the increase, because the CLTV increased over XX% because the appraised value of the property was lower than anticipated. The increase over XX% CLTV was the change of circumstance that affected the XXXe rate, and the discount points were added to retain the same final rate disclosed to the borrower. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with$XXXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373789 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with$XXXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with$XXXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 373789 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with$XXXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with$XXXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 373756 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE9139 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Foreclosure less than 7 years from application | Resolved-XX/XX/XXXX - received recorded Quit Claim and Deed in Lieu with seller response: "Document Uploaded. Borrower does not own the property since a quit claim deed recorded in XXXX. However, due to an error on that document, the borrower was inadvertently retained on title. The other owner then refinanced the property solely and underwent foreclosure. The borrower was not obligated on those mortgages. Attached are the foreclosure deed describing the title error, the quit claim deed, and a transaction history for the property showing the mortgages solely in the other owner's name." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Borrower does not own the property since a quit claim deed recorded in XXXX. However, due to an error on that document, the borrower was inadvertently retained on title. The other owner then refinanced the property solely and underwent foreclosure. The borrower was not obligated on those mortgages. Attached are the foreclosure deed describing the title error, the quit claim deed, and a transaction history for the property showing the mortgages solely in the other owner's name. - Seller-XX/XX/XXXX Open-Please provide evidence that foreclosure dated XX/XX/XXXX shown on Fraud Report pp XX & XX does not belong to borrower. Names and addresses match to credit report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Borrower does not own the property since a quit claim deed recorded in XXXX. However, due to an error on that document, the borrower was inadvertently retained on title. The other owner then refinanced the property solely and underwent foreclosure. The borrower was not obligated on those mortgages. Attached are the foreclosure deed describing the title error, the quit claim deed, and a transaction history for the property showing the mortgages solely in the other owner's name. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received recorded Quit Claim and Deed in Lieu with seller response: "Document Uploaded. Borrower does not own the property since a quit claim deed recorded in XXXX. However, due to an error on that document, the borrower was inadvertently retained on title. The other owner then refinanced the property solely and underwent foreclosure. The borrower was not obligated on those mortgages. Attached are the foreclosure deed describing the title error, the quit claim deed, and a transaction history for the property showing the mortgages solely in the other owner's name." - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373875 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373837 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received complete initial CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Initial CD including pg X uploaded. - Seller-XX/XX/XXXX Open-The Initial CD provided in the image file (pg.XXX) is missing page X of X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Initial CD including pg X uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received complete initial CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373909 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373776 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE0019 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Residency Documentation is Missing | Resolved-Borrower X Residency Documentation Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Perm Residient ID exp XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Permanent Resident Card attached. - Seller-XX/XX/XXXX Open-Please provide a valid and current Permanent Resident Card or passport stamped "processed for I-XXX" as required by guidelines. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Permanent Resident Card attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Residency Documentation Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Perm Residient ID exp XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373764 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373805 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373918 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375843 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373908 | XXXX | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1183 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received updated XXXX with rate of XX.XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the XXXX form attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The Final XXXX was not provided, income and debt gleaned from the final AUS. The XXXX in file reflects a note rate of XX.XXX% and the rate per the note is XX.XXX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the XXXX form attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received updated XXXX with rate of XX.XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373884 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1316 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - VVOE dated XX/XX/XXXX provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the VVOE attached. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing VVOE in file indicates employment verified by Corelogic The Work Number. The Work Number report in file dated XX/XX/XXXX is more than XX business days prior to the closing date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the VVOE attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - VVOE dated XX/XX/XXXX provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373787 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373848 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385310 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 375844 | XXXX | XXXX | B | B | B | B | B | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375844 | XXXX | XXXX | B | B | B | B | B | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time the original binder? page # XX is listed in the Patriot Act form and also the documents used for ID is the w2 form that is located on pages # XXX and XXX. Please see attached patriot acct form - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure Missing Patriot Act Disclosure. Also, no picture ID provided in image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review one more time the original binder? page # XX is listed in the Patriot Act form and also the documents used for ID is the w2 form that is located on pages # XXX and XXX. Please see attached patriot acct form - Seller-XX/XX/XXXX |
Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373833 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389761 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450813 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373788 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Completed cure docs attached. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received invoice for Appraisal Update of$XXXX which was reflected on the initial CD as$XXXX with a written COC. This fee was reduced to$XXXX on the Final CD. However the Appraisal Fee increased from$XXXX to$XXXX from the initial CD to the Final CD without a written COC. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The appraisal price increased because the initial appraisal returned as "subject to completion." The negotiated price of the appraisal update increased the total price to$XXXX., and the invoice was received XX/XX/XXXX and disclosed within X days. Invoice attached. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is$XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal fee increased from$XXXX to$XXXX on the Initial Closing disclosure dated XX/XX/XXXX without a written COC. Missing evidence the borrower was reimbursed $XX to cure the X% tolerance variance, - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Completed cure docs attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. The appraisal price increased because the initial appraisal returned as "subject to completion." The negotiated price of the appraisal update increased the total price to$XXXX., and the invoice was received XX/XX/XXXX and disclosed within X days. Invoice attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373788 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Open-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. The Appraisal fee increased from$XXXX to$XXXX on the Initial Closing disclosure dated XX/XX/XXXX without a written COC. Missing evidence the borrower was reimbursed $XX to cure the X% tolerance variance, - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 373788 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. The Appraisal fee increased from$XXXX to$XXXX on the Initial Closing disclosure dated XX/XX/XXXX without a written COC. Missing evidence the borrower was reimbursed $XX to cure the X% tolerance variance, - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with$XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 375845 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 373852 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received complete initial CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete copy attached. - Seller-XX/XX/XXXX Open-The Initial CD provided in the image file (pg.XXX) is missing pages X and X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Complete copy attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received complete initial CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373741 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373869 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing paystubs covering most recent XX-day period. Borrower is paid weekly, and the X paystubs provided cover only a X-week period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Not required for applications prior to XX/XX/XXXX, please rescind. - Seller-XX/XX/XXXX |
Waived-XX/XX/XXXX - Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 373831 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373903 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373820 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375846 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373873 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373846 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375847 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435660 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XXXX - received executed Final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see CD Consummation attached. - Seller-XX/XX/XXXX Open-Missing the executed Final CD, compliance testing is incomplete. The copy provided in the loan file (pg XXX) is not signed by the borrowers. Additional Findings XXX apply upon receipt and review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see CD Consummation attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed Final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 375848 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375848 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373779 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389738 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373780 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373783 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375849 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375849 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE9592 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Lien position GREATER than 2 | Resolved-XX/XX/XXXX - Security Agreement section of the Installment contract gives a security interest in the "Goods" purchased - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review the attached Home Improvement Retail Installment Contract? The security agreement stated that this loan contract does not indicate that would affect in any way the ownership of the property or that this loan would affect the second position in the property also the loan is not attached to the property and is for materials only, finally, this loan is included in the DTI calculation - Seller-XX/XX/XXXX Open-Home Improvement loan of$XXXX.XX for roofing materials dated XX/XX/XXXX (pg XXX, XXX) from PJ Fitzpatrick LLC indicates the loan will result in a mortgage/lien/security interest on the home. This lien opened on XX/XX/XXXX prior to closing of the subject loan on XX/XX/XXXX. Roofing lien does not appear on title work; title effective date (XX/XX/XXXX) is prior to the loan being taken (XX/XX/XXXX). No proof home improvement lien paid off prior to/at closing or that the lender's loan for $XXX,XXX will take 2nd lien position and priority over the home improvement lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review the attached Home Improvement Retail Installment Contract? The security agreement stated that this loan contract does not indicate that would affect in any way the ownership of the property or that this loan would affect the second position in the property also the loan is not attached to the property and is for materials only, finally, this loan is included in the DTI calculation - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Security Agreement section of the Installment contract gives a security interest in the "Goods" purchased - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375850 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389756 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL3825 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-XX/XX/XXXX - received reinspection dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached, no damage. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached, no damage. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received reinspection dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 385334 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389762 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373845 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373904 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373854 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373854 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 370147 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1441 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-XX/XX/XXXX - received recorded Sheriffs Deed and lender response: "The foreclosed property was included in the bankruptcy and not reaffirmed; the lis pendens was recorded XX/XXXX but the sheriff's deed was completed shortly after the bankruptcy termination date. Thus, these two occurrences should be considered a single event." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The foreclosed property was included in the bankruptcy and not reaffirmed; the lis pendens was recorded XX/XXXX but the sheriff's deed was completed shortly after the bankruptcy termination date. Thus, these two occurrences should be considered a single event. - Seller-XX/XX/XXXX Open-Borrower has multiple significant derogatory credit events. Chapter X Bankruptcy complete XX/XXXX and Foreclosure event per Fraud report XX/XXXX. Both are outside of X and X year windows, however GL indicate Multiple Events are not permitted. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The foreclosed property was included in the bankruptcy and not reaffirmed; the lis pendens was recorded XX/XXXX but the sheriff's deed was completed shortly after the bankruptcy termination date. Thus, these two occurrences should be considered a single event. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received recorded Sheriffs Deed and lender response: "The foreclosed property was included in the bankruptcy and not reaffirmed; the lis pendens was recorded XX/XXXX but the sheriff's deed was completed shortly after the bankruptcy termination date. Thus, these two occurrences should be considered a single event." - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373892 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received seller response: "The borrower is Jamie Bradford Wilder, not Scott Wilder, and the judgment is not against the subject property." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The borrower is Jamie Bradford Wilder, not Scott Wilder, and the judgment is not against the subject property. - Seller-XX/XX/XXXX Open-Property Title Issue Judgement on title from Alabama Medical Center dated March XX,XXXX for Scott Wilder in the sum of $XXXX.XX plus court costs of$XXXX. No evidence in file judgment has been paid or satisfied. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The borrower is Jamie Bradford Wilder, not Scott Wilder, and the judgment is not against the subject property. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received seller response: "The borrower is Jamie Bradford Wilder, not Scott Wilder, and the judgment is not against the subject property." - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 373794 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373887 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373894 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373752 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402099 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373786 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1233 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received complete final XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the complete XXXX form attached. - Seller-XX/XX/XXXX Open-The Final XXXX is Incomplete Please provide pages X and X of the final XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the complete XXXX form attached. - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received complete final XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373786 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1159 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-XX/XX/XXXX - received prior HOI effective XX/XX/XXXX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see previous and current HOI policy - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Loan disbursed on XX/XX/XXXX, policy is effective XX/XX/XXXX. Provide prior active policy - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see previous and current HOI policy - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received prior HOI effective XX/XX/XXXX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373786 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM0018 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received proof of borrower receipt of appraisal XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see proof of appraisal been delivered to borrower - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see proof of appraisal been delivered to borrower - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received proof of borrower receipt of appraisal XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373786 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Patriot Act Form Attached. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Patriot Act Form Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373777 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373740 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373913 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1316 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - VVOE dated XX/XX/XXXX provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please VVOE attached. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing VVOE in file indicates employment verified prior to close through The Work Number. A copy of the The Work Number report within XX business days of close missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please VVOE attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - VVOE dated XX/XX/XXXX provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373867 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 373763 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375852 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Missing paystubs covering most recent XX-day period. The paystub provided covers a X-week pay period only. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Missing paystubs covering most recent XX-day period. The paystub provided covers a X-week pay period only. - Due Diligence Vendor-XX/XX/XXXX |
Sage agrees to waive guideline requirement for most recent paystubs covering XX-day period. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 389766 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE6618 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-XX/XX/XXXX - received page X of X (section X) of the XXXX reflecting borrower to occupy the subject, no new credit - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see an updated final XXXX attached. The previous final XXXX had system issues reflecting incorrect information from borrower - Seller-XX/XX/XXXX Open-Section X: Declarations of the final XXXX reflects that the borrower will not occupy property as primary residence (A) and that borrower will be applying for new credit prior to loan closing (DX). Loan closed as primary residence and no explanation provided for new debt. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see an updated final XXXX attached. The previous final XXXX had system issues reflecting incorrect information from borrower - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received page X of X (section X) of the XXXX reflecting borrower to occupy the subject, no new credit - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 389766 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FVAL3825 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-XX/XX/XXXX - received reinspection dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-Inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX-FL, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-Inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received reinspection dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 373872 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424826 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373743 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373825 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373824 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL4521 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal dated after closing | Resolved-XX/XX/XXXX - received valuation dated XX/XX/XXXX for $XXXk - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Appraisal report dated XX/XX/XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Attached is the earlier copy of the desktop review, the version attached in the file was a later copy. - Seller-XX/XX/XXXX Open-The valuation date is XX/XX/XXXX, which is after the closing date of XX/XX/XXXX. The appraiser signed the Desktop Review on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached Appraisal report dated XX/XX/XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Attached is the earlier copy of the desktop review, the version attached in the file was a later copy. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received valuation dated XX/XX/XXXX for $XXXk - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373785 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received complete initial CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete copy attached. - Seller-XX/XX/XXXX Open-The Initial CD provided in the image file (pg.XXX) is not complete, pages X and X are missing. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Complete copy attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received complete initial CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373767 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C signed - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing. X yrs Transcripts were provided - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C signed - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373767 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM0018 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received evidence of borrower receipt of valuation - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see proof of appraisal been delivered to our borrower - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see proof of appraisal been delivered to our borrower - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received evidence of borrower receipt of valuation - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373911 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 370151 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385314 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 385314 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FPRO1136 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is XXXis (Primary Value) | Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXX dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Completion report attached. - Seller-XX/XX/XXXX Open-Primary Value Subject Property Appraisal is not on an As-Is XXXis The appraisal was completed “Subject-To”; however, no Completion Certification or Form XXX was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Completion report attached. - Seller-XX/XX/XXXX |
Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXX dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373801 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373910 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Affidavit of Surviving Spouse or Joint Survivorship that indicates XXXice Johnson Wilson died XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Affidavit Of Surviving Spouse attached. - Seller-XX/XX/XXXX Open-Property Title Issue Per title report and clear to close certificate in file (pg XXX), XXXice Wilson has a vested interest in the subject property and was required to attend closing and sign applicable closing document. Missing evidence XXXice received and signed the deed of trust, closing disclosure and right to cancel or evidence XXXice no longer has a vested interest in the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Affidavit Of Surviving Spouse attached. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Affidavit of Surviving Spouse or Joint Survivorship that indicates XXXice Johnson Wilson died XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375853 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375853 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - received re-inspection dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Re-Inspection Report attached. No damage reported. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Re-Inspection Report attached. No damage reported. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received re-inspection dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375853 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1195 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-XX/XX/XXXX - received full XXXX appraisals dated XX/XX/XXXX and XX/XX/XXXX with values of $XXXk and XXX respectively. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the two full appraisal reports attached. Our UW used the lowest value from the full two appraisal reports. The correct value of the property is $XXX,XXX.XX - Seller-XX/XX/XXXX Open-Appraised value on XXXX, XXXX and final CD of $XXX,XXX does not match the value listed on the Desktop appraisal report of $XXX,XXX. XXXed on the value on the appraisal report, the CLTV is XX.XX% vs. XX.XXX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the two full appraisal reports attached. Our UW used the lowest value from the full two appraisal reports. The correct value of the property is $XXX,XXX.XX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received full XXXX appraisals dated XX/XX/XXXX and XX/XX/XXXX with values of $XXXk and XXX respectively. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375853 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1015 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Qualifying CLTV exceeds Max CLTV (Primary Res, 700+ FICO) | Resolved-XX/XX/XXXX - received full XXXX appraisals dated XX/XX/XXXX and XX/XX/XXXX with values of $XXXk and XXX respectively. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document Uploaded. Please see the two full appraisal reports attached. Our UW used the lowest value from the full two appraisal reports. The correct value of the property is $XXX,XXX.XX - Seller-XX/XX/XXXX Open-The Qualifying CLTV exceeds the Max CLTV allowed for: - Primary Residence - FICO of XXX or higher Appraised value on XXXX, XXXX and final CD of $XXX,XXX does not match the value listed on the Desktop appraisal report of $XXX,XXX. XXXed on the value on the appraisal report, the CLTV is XX.XX% vs. XX.XXX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Document Uploaded. Please see the two full appraisal reports attached. Our UW used the lowest value from the full two appraisal reports. The correct value of the property is $XXX,XXX.XX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received full XXXX appraisals dated XX/XX/XXXX and XX/XX/XXXX with values of $XXXk and XXX respectively. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373766 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373863 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375854 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX uploaded. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-C executed by the borrower at application and closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373823 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385291 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375855 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached, subject has no damage. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached, subject has no damage. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373812 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373841 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393014 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XXXX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing the executed Final CD signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375856 | XXXX | XXXX | D | A | A | A | C | A | N/A | N/A | Closed | FVAL8946 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Appraisal | Resolved-XX/XX/XXXX - received XXXX completed XX/XX/XXXX for $XXXk - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Appraisal uploaded. - Seller-XX/XX/XXXX Open-No valuation documentation was provided. Missing the full appraisal completed XXXed on the Appraisal Fee charged on theFfinal CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Appraisal uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received XXXX completed XX/XX/XXXX for $XXXk - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373896 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373750 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - received re-inspection dated XX/XX/XXXX, no damage reflected. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached, no damage. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration (XX-XXXX-XX), subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX. Individual Assistance is available for Gilchrist County. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached, no damage. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received re-inspection dated XX/XX/XXXX, no damage reflected. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375857 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373810 | XXXX | XXXX | B | B | B | B | B | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 373810 | XXXX | XXXX | B | B | B | B | B | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-XX/XX/XXXX - received closer signed Patriot Act with ID info. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Patriot Act from both borrowers - Seller-XX/XX/XXXX Open-US Patriot Act Disclosure Partially Provided Missing the US Patriot Act Disclosure for Borrower X along with borrowerX ID information - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Patriot Act from both borrowers - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received closer signed Patriot Act with ID info. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373745 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375858 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375859 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 385321 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373761 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375860 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXX signed at app and closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXX signed at app and closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373822 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received complete initial CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see complete initial CD dated XX/XX/XXXX - Seller-XX/XX/XXXX Open-All pages of the Initial Closing Disclosure (pg.XXX) were not provided in the image file; missing page X of X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see complete initial CD dated XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received complete initial CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373760 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Second Home | Refinance | Cash Out - Other | ||||||||||||||||||
| 415258 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-XX/XX/XXXX - received evidence of appraisal receipt - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Proof appraisal delivered to the borrower uploaded. - Seller-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained, however no disclosure was issued to the borrowers within three business days after receiving the consumers’ application stating that they are entitled to a free copy of any appraisal, Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Proof appraisal delivered to the borrower uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received evidence of appraisal receipt - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373891 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt Form attached - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt Form attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX-C signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373826 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385296 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373809 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373804 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385332 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375861 | XXXX | XXXX | D | B | D | B | D | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX uploaded. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375861 | XXXX | XXXX | D | B | D | B | D | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Missing X paystubs covering most recent XX-day period. Only X paystub was provided which covers a X-week period. - Due Diligence Vendor-XX/XX/XXXX | Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - XX/XX/XXXX |
Waived-Borrower X Paystubs Less Than X Month Provided Missing X paystubs covering most recent XX-day period. Only X paystub was provided which covers a X-week period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 375861 | XXXX | XXXX | D | B | D | B | D | A | N/A | N/A | Closed | FCOM1265 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-XX/XX/XXXX - received executed ROR by non-borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. NORTC uploaded. - Seller-XX/XX/XXXX Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form No executed ROR evidencing the borrower had X business days to rescind the refinance was provided in the image file. However, the loan closed on XX/XX/XXXX and disbursed on XX/XX/XXXX, giving the borrower a X-day rescission period. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. NORTC uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed ROR by non-borrower - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375861 | XXXX | XXXX | D | B | D | B | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. NORTC uploaded. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing No executed ROR evidencing the borrower had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. NORTC uploaded. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 389773 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373857 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373885 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373883 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402035 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-2504 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-PCCD corrected - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review this discrepancy one more time? Per our compliance dept, all fees were property market and lined up with the amount financed on the CDs. We XXX need a breakdown of what is included and not included in your calculations to determine if there is a discrepancy. Please send us the compliance ease that is unavailable in the portal. Thank you. I attached the compliance report. - Seller-XX/XX/XXXX Open-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 $XXX. Loan is underdisclosed by $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review this discrepancy one more time? Per our compliance dept, all fees were property market and lined up with the amount financed on the CDs. We XXX need a breakdown of what is included and not included in your calculations to determine if there is a discrepancy. Please send us the compliance ease that is unavailable in the portal. Thank you. I attached the compliance report. - Seller-XX/XX/XXXX |
Resolved-PCCD corrected - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 402035 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3542 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-APR decreased by X.XXX - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date test (waiting period required).( XX CFR §XXXX.XX(f)(X)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXXX.XX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXXX.XX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXXX.XX(o)(X) becomes inaccurate, as defined in §XXXX.XX.(B) The loan product is changed, causing the information disclosed under §XXXX.XX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXXX.XX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXXX.XX(f)(X)(i) no later than three business days before consummation. The final CD disclosed an APR that changed by more than .XXX and therefore a new waiting period was required, which the borrower did not receive. The initial CD reflects an APR of XX.XXX% and the final CD reflects an APR of XX.XX%. The final CD was issued on XX/XX/XXXX and the loan closed on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-APR decreased by X.XXX - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||||
| 375863 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373868 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement of $XXX not reflected in section J, instead applied to principal on subject loan in the Payoffs and Payments section and pay history provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD + Pymt history attached showing a cure for$XXXX due to an increase in recording fees. Initial disclosure was for$XXXX on initial LE dated XX/XX/XXXX this is allowed XX% Max.$XXXX X XX% =$XXXX; final disclosed on final CD dated XX/XX/XXXX was for $XXXX less$XXXX =$XXXX. no needed proof of delivery since the cure was already applied to the file on XX/XX/XXXX - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXXX) exceed the comparable charges (XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Violation is due to lender disclosing Recording Fees as $XXX on LEs and Initial CD, which was revised to $XXXX on Final and PCCD with no indication of valid change circumstance form or refund to borrower in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD + Pymt history attached showing a cure for$XXXX due to an increase in recording fees. Initial disclosure was for$XXXX on initial LE dated XX/XX/XXXX this is allowed XX% Max.$XXXX X XX% =$XXXX; final disclosed on final CD dated XX/XX/XXXX was for $XXXX less$XXXX =$XXXX. no needed proof of delivery since the cure was already applied to the file on XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement of $XXX not reflected in section J, instead applied to principal on subject loan in the Payoffs and Payments section and pay history provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 373868 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement of $XXX not reflected in section J, instead applied to principal on subject loan in the Payoffs and Payments section and pay history provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see PCCD + Pymt history attached showing a cure for$XXXX due to an increase in recording fees. Initial disclosure was for$XXXX on initial LE dated XX/XX/XXXX this is allowed XX% Max.$XXXX X XX% =$XXXX; final disclosed on final CD dated XX/XX/XXXX was for $XXXX less$XXXX =$XXXX. no needed proof of delivery since the cure was already applied to the file on XX/XX/XXXX - Seller-XX/XX/XXXX Open-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. - Violation is due to lender disclosing Recording Fees as $XXX on LEs and Initial CD, which was revised to $XXXX on Final and PCCD with no indication of valid change circumstance form or refund to borrower in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please see PCCD + Pymt history attached showing a cure for$XXXX due to an increase in recording fees. Initial disclosure was for$XXXX on initial LE dated XX/XX/XXXX this is allowed XX% Max.$XXXX X XX% =$XXXX; final disclosed on final CD dated XX/XX/XXXX was for $XXXX less$XXXX =$XXXX. no needed proof of delivery since the cure was already applied to the file on XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement of $XXX not reflected in section J, instead applied to principal on subject loan in the Payoffs and Payments section and pay history provided. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 373868 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement of $XXX not reflected in section J, instead applied to principal on subject loan in the Payoffs and Payments section and pay history provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD + Pymt history attached showing a cure for$XXXX due to an increase in recording fees. Initial disclosure was for$XXXX on initial LE dated XX/XX/XXXX this is allowed XX% Max.$XXXX X XX% =$XXXX; final disclosed on final CD dated XX/XX/XXXX was for $XXXX less$XXXX =$XXXX. no needed proof of delivery since the cure was already applied to the file on XX/XX/XXXX - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Violation is due to lender disclosing Recording Fees as $XXX on LEs and Initial CD, which was revised to $XXXX on Final and PCCD with no indication of valid change circumstance form or refund to borrower in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD + Pymt history attached showing a cure for$XXXX due to an increase in recording fees. Initial disclosure was for$XXXX on initial LE dated XX/XX/XXXX this is allowed XX% Max.$XXXX X XX% =$XXXX; final disclosed on final CD dated XX/XX/XXXX was for $XXXX less$XXXX =$XXXX. no needed proof of delivery since the cure was already applied to the file on XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement of $XXX not reflected in section J, instead applied to principal on subject loan in the Payoffs and Payments section and pay history provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 373868 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - EVX-B - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - EVX-B - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 373868 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - EVX-B - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - EVX-B - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 373807 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1234 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Not Executed | Resolved-The Final XXXX is Executed - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed final XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Final XXXX attached signed by both borrowers - Seller-XX/XX/XXXX Open-The Final XXXX is Not Executed Missing the final XXXX executed by the borrowers at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Final XXXX attached signed by both borrowers - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Executed - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed final XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373807 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received executed final CD signed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing the final CD executed at closing, compliance testing is incomplete. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed final CD signed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373807 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 375864 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - received inspection reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-No attachment provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see Re-Inspection report attached dated XX/XX No damage been reported. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Please see Re-Inspection report attached dated XX/XX No damage been reported. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received inspection reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373790 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1316 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received VVOE dated XX/XX/XXXX by TWN Corelogic Automat IQ - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This was a work number verification. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing Missing VVOE dated within XX days of closing. VVOE (pg XXX) does not reflect who verified employment or what position/department they are in. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This was a work number verification. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received VVOE dated XX/XX/XXXX by TWN Corelogic Automat IQ - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 373790 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 375865 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385325 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375866 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373912 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 405589 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 405589 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375867 | XXXX | XXXX | C | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375867 | XXXX | XXXX | C | B | B | B | A | A | N/A | N/A | Closed | FVAL3825 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-XX/XX/XXXX - received inspection reflecting no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Inspection attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX-DR, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Inspection attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received inspection reflecting no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424783 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 373858 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 375868 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385299 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375869 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375870 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 385322 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375871 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - received re-inspection dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the re-inspection report attached. no damage been reported - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX-LA, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the re-inspection report attached. no damage been reported - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received re-inspection dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373890 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375872 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393015 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389746 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402101 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402092 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375873 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385330 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report datedXX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-Inspection Report attached - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-Inspection Report attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report datedXX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435722 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402094 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 402094 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-Inspection Report attached - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-Inspection Report attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373782 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373850 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385336 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375874 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375875 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1146 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received E&O - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Title Policy Insurance attached. - Seller-XX/XX/XXXX Open-Title Document is incomplete or only partially present The O&E provided does not include an attached E&O. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Title Policy Insurance attached. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received E&O - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 402074 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375876 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373874 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393023 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375877 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402086 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393012 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385333 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411380 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1195 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of XX.XX% is less than or equal to Guideline CLTV of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Desktop Review dated XX/XX/XXXX at $XXXk - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see correct appraisal report attached showing the correct valuation of $XXXK - Seller-XX/XX/XXXX Open-The CLTV of XX.XXX% exceeds the maximum of XX%. The valuation documentation provided reflects a value of $XXXk rather than $XXXk used for qualification. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see correct appraisal report attached showing the correct valuation of $XXXK - Seller-XX/XX/XXXX |
Resolved-Audited CLTV of XX.XX% is less than or equal to Guideline CLTV of XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Desktop Review dated XX/XX/XXXX at $XXXk - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 405596 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402080 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373881 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375879 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375880 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received the initial CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the initial CD attached dated XX/XX/XXXX - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg. XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply upon receipt - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the initial CD attached dated XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received the initial CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375880 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Cure of $XX with the final CD - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Cure of $XX with the final CD - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 373880 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411428 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375881 | XXXX | XXXX | B | A | A | A | B | A | N/A | N/A | Closed | FCOM2340 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | TRID | CD: General Form Requirements Not Met | Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed final CD with settlement info on page X. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the final and consummation CD attached with the Settlement agent information - Seller-XX/XX/XXXX Open-CD: General Form Requirements Not Met Settlement agent name and contact information not complete on page X of the final CD. A corrected PCCD was not in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the final and consummation CD attached with the Settlement agent information - Seller-XX/XX/XXXX |
Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed final CD with settlement info on page X. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373901 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-XXXX executed at application and closing provided, X years IRS Transcripts also provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XXXX executed at application and closing provided, X years IRS Transcripts also provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375883 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form for both borrowers attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Borrower X - Missing a XXXX-T executed at application / closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form for both borrowers attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375883 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form for both borrowers attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Borrower X - Missing a XXXX-T executed at application / closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form for both borrowers attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375883 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received complete executed final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see a complete consummation CD signed by bwr one more time signed by both borrowers. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - no attachment provided. Please provide a complete final CD signed at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see Consummation CD signed by both borrowers. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing the executed Final CD, compliance testing is incomplete. The copy provided in the loan file (pg.XXX) is missing pages X,X, and X. Additional Findings XXX apply upon receipt and review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see a complete consummation CD signed by bwr one more time signed by both borrowers. - Seller-XX/XX/XXXX Ready for Review-Please see Consummation CD signed by both borrowers. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received complete executed final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 385292 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385288 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing XXXXT signed at application and at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373865 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389753 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1316 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received lender performed VVOE with attached VOE stating start date - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete version attached. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing - VOE in file does not list the Start Date, please provide revised Verification. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Complete version attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received lender performed VVOE with attached VOE stating start date - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 385327 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475888 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 385305 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 385317 | XXXX | XXXX | D | A | D | A | B | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at app and closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at app and closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 385317 | XXXX | XXXX | D | A | D | A | B | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 385317 | XXXX | XXXX | D | A | D | A | B | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Missing US Patriot Act signed by the closer with ID info - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 393006 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411399 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 385312 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375884 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1263 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed RORs for John Higgins, III and Linda Higgins - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received executed ROR from borrower Laura Higgins only. Still missing ROR executed by Non-Borrower Title holders, John Higgins lll and Linda Higgins - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided No executed ROR evidencing the Non-Borrower Title holders, John Higgins lll and Linda Higgins had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed RORs for John Higgins, III and Linda Higgins - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375885 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received COC detailing rate locked XX/XX/XXXX and change to settlement charges. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received COC detailing rate locked XX/XX/XXXX and change to settlement charges. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see CD dated XX/XX/XXXX attached. The Discount point was increased from $X.XX to $XXX.XX because CLTV was higher than the initial lock. Please see COC, proof of delivery, CD, screenshots - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Loan Discount Fee increased from $X.XX to $XXX.XX from the XXXeline LE to the Final CD without a written COC. No lock extension or rate change has occurred. The property value decreased from revised LE to the initial CD, however no written COC was provided in file to warrant the Points increase. Missing evidence the borrower was reimbursed $XXX.XX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see CD dated XX/XX/XXXX attached. The Discount point was increased from $X.XX to $XXX.XX because CLTV was higher than the initial lock. Please see COC, proof of delivery, CD, screenshots - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received COC detailing rate locked XX/XX/XXXX and change to settlement charges. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received COC detailing rate locked XX/XX/XXXX and change to settlement charges. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375885 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XXXX - received COC detailing rate locked XX/XX/XXXX and change to settlement charges. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see CD dated XX/XX/XXXX attached. The Discount point was increased from $X.XX to $XXX.XX because CLTV was higher than the initial lock. Please see COC, proof of delivery, CD, screenshots - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Loan Discount Fee increased from $X.XX to $XXX.XX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXX.XX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see CD dated XX/XX/XXXX attached. The Discount point was increased from $X.XX to $XXX.XX because CLTV was higher than the initial lock. Please see COC, proof of delivery, CD, screenshots - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received COC detailing rate locked XX/XX/XXXX and change to settlement charges. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373803 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375886 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385328 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375887 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing No executed ROR evidencing the borrower had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375887 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Provide executed and notarized Name Affidavit for borrower(s). | Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed and notarized Name Affidavit - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Provide executed and notarized Name Affidavit Missing executed and notarized Same Name Affiavit - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed and notarized Name Affidavit - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375887 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM0018 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received evidence of borrower receipt of appraisal - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached shows appraisal was delivered to borrower XX/XX/XXXX. - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Please provide proof that borrower received copy of appraisal - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached shows appraisal was delivered to borrower XX/XX/XXXX. - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received evidence of borrower receipt of appraisal - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375887 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-XX/XX/XXXX - received evidence of borrower receipt of appraisal - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Waterfall finding, evidence of delivery provided. - Seller-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained however missing evidemce the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Waterfall finding, evidence of delivery provided. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received evidence of borrower receipt of appraisal - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 385306 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375888 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385338 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375889 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXX signed at app and closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXX signed at app and closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 385302 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375890 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 385300 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE7009 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-XX/XX/XXXX - received HOI with coverage with increased limits totaling $XXXk - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Pymt History from 1st lien which is showing a remaining balance of $XXX,XXX.XX + 2nd Lien $XX,XXX.XX makes a total of $XXX,XXX.XX vs Dwelling for $XXX,XX.XX + $XX,XXX.XX + Other structures increased limits for $X,XXX.XX total coverage of HOI Policy is $XXX,XXX.XX - Seller-XX/XX/XXXX Open-Hazard policy reflects dwelling coverage of $XXX,XXX which is less than the total the combined liens and no cost to re-build was provided or extended replacement cost coverage reflected on the policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached Pymt History from 1st lien which is showing a remaining balance of $XXX,XXX.XX + 2nd Lien $XX,XXX.XX makes a total of $XXX,XXX.XX vs Dwelling for $XXX,XX.XX + $XX,XXX.XX + Other structures increased limits for $X,XXX.XX total coverage of HOI Policy is $XXX,XXX.XX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received HOI with coverage with increased limits totaling $XXXk - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 402078 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375892 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375893 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393019 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375894 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375895 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375896 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373866 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375897 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385282 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402113 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1316 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received VVOE dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see VOE attached. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing Borrower X 3rd Party verbal VOE prior to close is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see VOE attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received VVOE dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 385316 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375898 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 385283 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385297 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 385297 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 402077 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO1136 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is XXXis (Primary Value) | Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received completed XXX dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Re-Inspection report attached. - Seller-XX/XX/XXXX Open-Primary Value Subject Property Appraisal is not on an As-Is XXXis The Exterior Inspection Report references window/screen damage. The Property Re-Inspection disclosed on the final CD was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Re-Inspection report attached. - Seller-XX/XX/XXXX |
Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received completed XXX dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 389760 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375900 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 402060 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375901 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 389759 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411437 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393003 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - received re-inspection dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Reinspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX & XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Reinspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received re-inspection dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 389754 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375902 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402095 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393022 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375903 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 373806 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385315 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389742 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - received re-inspection dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Reinspection attached, no damage. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Reinspection attached, no damage. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received re-inspection dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 389742 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM0015 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Closing | Vested Owner Signature Requirement Not Satisfied | Resolved-Vested Owner Signature Requirement Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Quit Claim from ChristoSellerer Silkman to Andrea Silkman dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Quit claim attached. - Seller-XX/XX/XXXX Open-Vested Owner Signature Requirement Not Satisfied The O&E reflects the borrower and her non-borrower spouse, ChristoSellerer Silkman, as the current vested owners. The subject mortgage is in the name of borrower Andrea Silkman only. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Quit claim attached. - Seller-XX/XX/XXXX |
Resolved-Vested Owner Signature Requirement Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Quit Claim from ChristoSellerer Silkman to Andrea Silkman dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 402045 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 415250 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXT form attached signed and dated by borrower. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXT form attached signed and dated by borrower. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 415250 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FPRO1242 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received valuation dated XX/XX/XXXX at $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see appraisal report attached - Seller-XX/XX/XXXX Open-No Appraisal or valuation documentation was provided in the image file from origination, value gleaned from XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see appraisal report attached - Seller-XX/XX/XXXX |
Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received valuation dated XX/XX/XXXX at $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 385318 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - received re-inspection dated XX/XX/XXXX with no damage noted. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Disaster reinspection uploaded completed after the disaster end date. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Disaster reinspection uploaded completed after the disaster end date. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received re-inspection dated XX/XX/XXXX with no damage noted. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 385323 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1146 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - O&E provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see complete Title policy insurance attached. - Seller-XX/XX/XXXX Open-Title Document is incomplete or only partially present The O&E provided does not include an attached E&O. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see complete Title policy insurance attached. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - O&E provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373742 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FPRO1137 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received appraisers license with prior issue date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see appraiser license information attached from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX - Seller-XX/XX/XXXX Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Appraisal completed XX/XX/XXXX and shows appraiser license expires XX/XX/XXXX. Appraiser Registry search shows the appraiser's license as active with an effective date of XX/XX/XXXX and expiration date of XX/XX/XXXX. Copy of appraiser's license not in file to confirm appraiser was actively licensed at time of completing the appraisal report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see appraiser license information attached from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received appraisers license with prior issue date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 402071 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XXXX - received executed final CD signed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see consummation CD attached, - Seller-XX/XX/XXXX Open-Final CD (pg XXX) is not executed by borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see consummation CD attached, - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed final CD signed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 402082 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411434 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL3825 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 373839 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405602 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385307 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 389745 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-XX/XX/XXXX - received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 389745 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-XX/XX/XXXX - received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
Missing a 4506-T executed at application / closing | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||
| 385309 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402050 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 375907 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402115 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375908 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing No executed ROR evidencing the borrower had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375908 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure Please provide the closer executed Patriot Act Disclosure with ID info, or the Selleroto ID - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375908 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Provide executed and notarized Name Affidavit for borrower(s). | Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed and notarized Name Affidavit - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Provide executed and notarized Name Affidavit Missing the executed and notarized Name Affidavit - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed and notarized Name Affidavit - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 389744 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393017 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389741 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 389772 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402043 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402039 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-Inspection Report attached - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-Inspection Report attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 415277 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402108 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393008 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375909 | XXXX | XXXX | B | A | A | A | B | A | N/A | N/A | Closed | FCOM1942 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Form 4506T | Resolved-XX/XX/XXXX - received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Missing XXXXT executed by borrower at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 411391 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 405573 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385335 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402110 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 375910 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385304 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389750 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 411398 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393016 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XXXX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing the executed Final CD signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 375911 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 389749 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393025 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385324 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393026 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389770 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415307 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411423 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1201 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received DRIVE report dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Fraud Report attached. - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report The DRVE Report was not provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Fraud Report attached. - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received DRIVE report dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 389751 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389771 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385343 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393024 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402053 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458874 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 375912 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 402114 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 385308 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402058 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385340 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389769 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389765 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 385290 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385284 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 389758 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411405 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 385344 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393027 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 402066 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389755 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389764 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 385303 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402076 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402037 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411415 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415301 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402088 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 402049 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 393009 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449854 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411429 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475950 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1316 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received VVOE dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing Missing VVOE within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received VVOE dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475950 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 385331 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 385298 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - received re-inspection dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached re-inspection report - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - no attachment provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see the Re-Inspection report attached. No damage been reported - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please see attached re-inspection report - Seller-XX/XX/XXXX Ready for Review-Please see the Re-Inspection report attached. No damage been reported - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received re-inspection dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 402116 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405595 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449880 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 393020 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385311 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402070 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 402070 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 411443 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402118 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389763 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402089 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-Inspection Report attached - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-Inspection Report attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 385313 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415306 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 393021 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402083 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415282 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393005 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424838 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405601 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424767 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389747 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402098 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411425 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411427 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389739 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405586 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393028 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XXXX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX Open-Missing the Final CD signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 393011 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 393011 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 389757 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435685 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 411383 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402103 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424757 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389767 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402061 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411388 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411374 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 415259 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 385293 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 405583 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Reinspection attached, no damage. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Reinspection attached, no damage. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 393013 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 402048 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-PCCD provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and payment History attached which show a PR for $XX.XX due to an increase in the credit report. The increase in settlement charges is listed on page # X of X under section J as Lender credit. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Credit Report Fee increased by $XX.XX without a written COC, missing evidence the borrower was reimbursed $XX.XX to cure the X% tolerance variance. Final CD provided a $XX cure for the increase to the Settlement Fee only. The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). One or more of the final charges exceed the comparable amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and payment History attached which show a PR for $XX.XX due to an increase in the credit report. The increase in settlement charges is listed on page # X of X under section J as Lender credit. - Seller-XX/XX/XXXX |
Resolved-PCCD provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 402048 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and payment History attached which show a PR for $XX.XX due to an increase in the credit report. The increase in settlement charges is listed on page # X of X under section J as Lender credit. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received seller response disputing tolerance fail and citing $XX cure provided for increase to Settlement Fee. However, the Credit Report Fee increased by $XX.XX without a written COC, missing evidence the borrower was reimbursed $XX.XX to cure the X% tolerance variance. Final CD provided a $XX cure for the increase to the Settlement Fee only. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. No additional cure is needed in this situation. Initial LE shows a settlement charge of $XXX.XX vs the final CD for $XXX.XX. Also, final CD shows a lender credit for $XX.XX. See attached documents. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and payment History attached which show a PR for $XX.XX due to an increase in the credit report. The increase in settlement charges is listed on page # X of X under section J as Lender credit. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. No additional cure is needed in this situation. Initial LE shows a settlement charge of $XXX.XX vs the final CD for $XXX.XX. Also, final CD shows a lender credit for $XX.XX. See attached documents. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 402048 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 402048 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 402081 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424784 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389752 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XX - received Disaster Inspection Report dated XX/XX/XX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Repairs completed, see attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #DR-XXXX-SC, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Repairs completed, see attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received Disaster Inspection Report dated XX/XX/XX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 385319 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 402059 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424812 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402075 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - received re-inspection dated XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Re-inspection attached dated XX/XX/XXXX - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Re-inspection attached dated XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received re-inspection dated XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424774 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XXXX - received COC for increase to settlement charge - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. No additional cure is needed increased in settlement charges was caused due to a new interest rate chosen by the borrower. Please see attached CD dated XX/XX/XXXX, proof of delivery, COC. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. No additional cure is needed increased in settlement charges was caused due to a new interest rate chosen by the borrower. Please see attached CD dated XX/XX/XXXX, proof of delivery, COC. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received COC for increase to settlement charge - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424774 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-XX/XX/XXXX - received written COC for increase to settlement fees - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. No additional cure is needed increased in settlement charges was caused due to a new interest rate chosen by the borrower. Please see attached CD dated XX/XX/XXXX, proof of delivery, COC. - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). The Title Document Prep Fee increased from $X to $XX from the XXXeline LE to Final CD without a written COC. Missing evidence the borrower was reimbursed $XXX.XX to cure the XX% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. No additional cure is needed increased in settlement charges was caused due to a new interest rate chosen by the borrower. Please see attached CD dated XX/XX/XXXX, proof of delivery, COC. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received written COC for increase to settlement fees - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 411369 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402036 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 393004 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411370 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 411411 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402111 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 402046 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 389740 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415288 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411414 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415255 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415260 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405604 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached re-inspection report - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - no curative was attached. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please see attached re-inspection report - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 402102 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 402102 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt Attached for both borrowers. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt Attached for both borrowers. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 402102 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt Attached for both borrowers. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt Attached for both borrowers. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 402102 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received recorded UCC-X which shows different debtor and property address. Lien is question is not for the subject property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the title report search attached. The UCC mentioned is not their address and not our borrower. See Parcel information. - Seller-XX/XX/XXXX Open-Property Title Issue Missing evidence the open UCC Lien present on the Title Search (Title item #X) was paid. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the title report search attached. The UCC mentioned is not their address and not our borrower. See Parcel information. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received recorded UCC-X which shows different debtor and property address. Lien is question is not for the subject property. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 405592 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402057 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411375 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402100 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405585 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411401 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1204 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Drive report with XXXX score and cleared alerts provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Fraud Report attached. - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Drive Report (pg XX) reflects X score and none of the HIGH alerts were cleared through the Drive portal. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Fraud Report attached. - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - Drive report with XXXX score and cleared alerts provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 411401 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 411382 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached dated XX/XX/XXXX - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached dated XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424795 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM0015 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Closing | Vested Owner Signature Requirement Not Satisfied | Resolved-Vested Owner Signature Requirement Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Affidavit of Surviving Spouse, death cert for Mark Williamson - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Title report documents attached. Mark Williamson death Certification is also attached. - Seller-XX/XX/XXXX Open-Vested Owner Signature Requirement Not Satisfied Provide chain of title reflecting borrower, Allison Williamson as only vested owner. The Title Report shows current vesting as Mark Williamson and Allison Williamson, as joint tenants. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Title report documents attached. Mark Williamson death Certification is also attached. - Seller-XX/XX/XXXX |
Resolved-Vested Owner Signature Requirement Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Affidavit of Surviving Spouse, death cert for Mark Williamson - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 415256 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393018 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402047 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 389743 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 402054 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402112 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 411407 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 411372 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-XX/XX/XXXX - received insurance RCE at $XXXk - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please document attached. Page # X includes the Policy for Florida requirements and page # XX shows the replacement cost which cover the cost and actual cost value. - Seller-XX/XX/XXXX Open-Provide evidence of Guaranteed Replacement Coverage. Hazard policy reflects dwelling coverage that is less than the combined liens and cost to replace reflected on the appraisal - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please document attached. Page # X includes the Policy for Florida requirements and page # XX shows the replacement cost which cover the cost and actual cost value. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received insurance RCE at $XXXk - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 411406 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 411409 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402109 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Re-Inspection report dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Reinspection Report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Reinspection Report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Re-Inspection report dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 405564 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411432 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 411376 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402107 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393007 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405597 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 405597 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1360 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Paystubs Missing | Resolved-Borrower X Paystubs Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XX days paystubs for XXX Mgmt - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Paystubs attached. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - please provide paystubs for Borrower X, there were no paystubs were provided for employer, XXX Management, LLC. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? per guidelines we only need the most recent paystubs. the new policy will apply for applications dated after or after XXX XXth. see attached guidelines. Thank you - Seller-XX/XX/XXXX Open-Borrower X Paystubs Missing Missing X paystubs covering most recent XX-day period for the borrowers new employer XXX Management Company LLC or WVOE that supports the income used to qualify. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Paystubs attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? per guidelines we only need the most recent paystubs. the new policy will apply for applications dated after or after XXX XXth. see attached guidelines. Thank you - Seller-XX/XX/XXXX |
Resolved-Borrower X Paystubs Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XX days paystubs for XXX Mgmt - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 405597 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 405597 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCOM1233 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received corrected executed XXXX for BX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see an update final XXXX attached. - Seller-XX/XX/XXXX Open-The Final XXXX is Incomplete Please provide an update executed Final XXXX for BX that reflects the current employer XXX Management Company, LLC - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see an update final XXXX attached. - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received corrected executed XXXX for BX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 405597 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1437 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-XX/XX/XXXX - received paystubs for BX new employer - Due Diligence Vendor-XX/XX/XXXX Open-Income and Employment Do Not Meet Guidelines Please provide Income Documentation for BX new employer that supports the income used to qualify. Per VVOE Borrower X was no longer employed with Health Care District of Palm Beach County as noted on the final XXXX. Income qualification was XXXed on documentation from the prior employer rather than the current employer, XXX Management Company noted on the VVOE provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received paystubs for BX new employer - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 405597 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1598 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income Documentation Deficiencies: Final 1008 income varies from income documentation in images, resulting in a DTI variance. | Resolved-XX/XX/XXXX - received XXXX reflecting borrower X income of $X,XXX.XX and DTI of XX.XXX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXX showing corrections on bwr # X income - Seller-XX/XX/XXXX Open-Please provide an updated XXXX that reflects BX current income - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXX showing corrections on bwr # X income - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received XXXX reflecting borrower X income of $X,XXX.XX and DTI of XX.XXX% - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 405597 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XX days paystubs for XXX Mgmt - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - the DTI calculation excluded Borrower X income due to missing paystubs for current employment - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Is this DTI discrepancy is because the XXXX was not showing bwr # X income into the correct section? or because was requested additional paystubs? please advise Thank you - Seller-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Is this DTI discrepancy is because the XXXX was not showing bwr # X income into the correct section? or because was requested additional paystubs? please advise Thank you - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XX days paystubs for XXX Mgmt - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 402117 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424762 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 393010 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XXXX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing the executed Final CD. The copy provided is not signed by the borrower at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 415304 | XXXX | XXXX | B | A | A | A | B | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure completed by the closing agent with ID info or a Selleroto ID - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 411419 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 402052 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415276 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411424 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 411424 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 402073 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402069 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411400 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424781 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402105 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Re-Inspection report dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-Inspection attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-Inspection attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Re-Inspection report dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 449884 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402062 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411397 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402091 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 405588 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 402055 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 411410 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 411420 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405584 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402085 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402090 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received reinspection dated XX/XX/XXXX reflecting no damage, however subject was impacted on XX/XX/XXXX with Disaster #XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435719 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402051 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402093 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402038 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402104 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 402104 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 411393 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411394 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415284 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 405578 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411395 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402106 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424813 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 415273 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 415302 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 405565 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and Pymt history showing a cure for $XX.XX due to increase in settlement charges. Cure was applied to the principal balance and is not require proof of delivery - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal Fee increased from $XXX to $XXX, and the Title - Settlement Fee increased from $XXX to $XXX from the XXXeline LE to the Final CD without a written COC, the cure for this X% tolerance variance is $XX. This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i)). The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX. The Final CD reflected a tolerance cure of $XX which resolved the Title - Settlement Fee violation; however, the total tolerance violation amount is $XX. Tolerance amount cure still owed to borrower = $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and Pymt history showing a cure for $XX.XX due to increase in settlement charges. Cure was applied to the principal balance and is not require proof of delivery - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 405565 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and Pymt history showing a cure for $XX.XX due to increase in settlement charges. Cure was applied to the principal balance and is not require proof of delivery - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Appraisal Fee increased from $XXX to $XXX, and the Title - Settlement Fee increased from $XXX to $XXX from the XXXeline LE to the Final CD without a written COC, the cure for this X% tolerance variance is $XX. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX. The Final CD reflected a tolerance cure of $XX which resolved the Title - Settlement Fee violation; however, the total tolerance violation amount is $XX. Tolerance amount cure still owed to borrower = $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and Pymt history showing a cure for $XX.XX due to increase in settlement charges. Cure was applied to the principal balance and is not require proof of delivery - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 405565 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 405565 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 439674 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402087 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424779 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411433 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435702 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411436 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424761 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402097 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411402 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435668 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 415272 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405579 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411378 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435678 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402084 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411389 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402068 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405572 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424793 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415254 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411403 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439618 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405582 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415296 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 411404 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 411385 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411430 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402042 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424810 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 415300 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424764 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402056 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435713 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411365 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415291 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 405570 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 405570 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received the initial CD issued XX/XX/XXXX with COC dated for change to Settlement Fees with Title Attorney Fee listed in section C. The Title Attorney fee was moved to section B on the Final CD. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - received duplicate Final CD provided in the original review. The Finding is XXXed on the Title Attorney Fee increased from $X to $XXX from the XXXeline LE to Final CD without a written COC. Missing evidence the borrower was reimbursed $XXX to cure the XX% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The Final and Consummation Cd was provided on the original binder, please page # XXX to XXX. also please see attached CD - Seller-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The Final and Consummation Cd was provided on the original binder, please page # XXX to XXX. also please see attached CD - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received the initial CD issued XX/XX/XXXX with COC dated for change to Settlement Fees with Title Attorney Fee listed in section C. The Title Attorney fee was moved to section B on the Final CD. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 405570 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received the initial CD issued XX/XX/XXXX with COC dated for change to Settlement Fees with Title Attorney Fee listed in section C. The Title Attorney fee was moved to section B on the Final CD. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - received duplicate Final CD provided in the original review. The Finding is XXXed on the Title Attorney Fee increased from $X to $XXX from the XXXeline LE to Final CD without a written COC. Missing evidence the borrower was reimbursed $XXX to cure the XX% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The Final and Consummation Cd was provided on the original binder, please page # XXX to XXX. also please see attached CD - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The Final and Consummation Cd was provided on the original binder, please page # XXX to XXX. also please see attached CD - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received the initial CD issued XX/XX/XXXX with COC dated for change to Settlement Fees with Title Attorney Fee listed in section C. The Title Attorney fee was moved to section B on the Final CD. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 405570 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received the initial CD issued XX/XX/XXXX with COC dated for change to Settlement Fees with Title Attorney Fee listed in section C. The Title Attorney fee was moved to section B on the Final CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached documents that includes COC, Proof of delivery CD dated XX/XX/XXXX and Service provider list which indicate that the attorney fee was included in the preference list. - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). The Title Attorney Fee increased from $X to $XXX from the XXXeline LE to Final CD without a written COC. Missing evidence the borrower was reimbursed $XXX to cure the XX% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached documents that includes COC, Proof of delivery CD dated XX/XX/XXXX and Service provider list which indicate that the attorney fee was included in the preference list. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received the initial CD issued XX/XX/XXXX with COC dated for change to Settlement Fees with Title Attorney Fee listed in section C. The Title Attorney fee was moved to section B on the Final CD. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 405570 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | finding-3536 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. ( XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX CFR §XXXX.XX(e)(X)(i) )The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure) and §XXXX.XX(e)(X)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count XXXed on the client preferences configured on the company settings business days profile page:As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms.Official InterpretationsXX C.F.R. §XXXX.XX(e)(X)(ii)Relationship to disclosures required under §XXXX.XX(f)(X)(i).Revised disclosures XXX not be delivered at the same time as the Closing Disclosure. §XXXX.XX(e)(X)(ii) prohibits a creditor from providing a revised version of the disclosures required under §XXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXX.XX(f)(X)(i)...However, if a creditor uses a revised estimate pursuant to § XXXX.XX(e)(X)(iv) for the purpose of determining good faith under § XXXX.XX(e)(X)(i) and (ii), § XXXX.XX(e)(X)(i) permits the creditor to provide the revised estimate in the disclosures required under § XXXX.XX(f)(X)(i) (including any corrected disclosures provided under § XXXX.XX(f)(X)(i) or (ii)). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 405593 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405591 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435688 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411431 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415305 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 405598 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415257 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435671 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1347 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received VVOE performed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see VVOE for both borrowers between XX business of closing. VVOE included in the binder contains an error system. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing - VOE for co-borrower indicates it was performed XX/XX/XXXX, however loan closed XX/XX/XXXX- please provide acceptable re-verification meeting timing requirements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see VVOE for both borrowers between XX business of closing. VVOE included in the binder contains an error system. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received VVOE performed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 402079 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424782 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411421 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM0015 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Closing | Vested Owner Signature Requirement Not Satisfied | Resolved-Vested Owner Signature Requirement Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received recorded Deed of Gift dated XX/XX/XX granting subject to Sarah Johnson and spouse - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see chain of title showing that William Warren passed away on XX/XX/XX also see affidavit of surviving spouse - Seller-XX/XX/XXXX Open-Vested Owner Signature Requirement Not Satisfied Additional owner is listed on the Title Search vesting that is not on the subject mortgage or the senior lien mortgage. No chain of title provided to show William Warren Johnson quit claimed his ownership to Sarah Johnson, the borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see chain of title showing that William Warren passed away on XX/XX/XX also see affidavit of surviving spouse - Seller-XX/XX/XXXX |
Resolved-Vested Owner Signature Requirement Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received recorded Deed of Gift dated XX/XX/XX granting subject to Sarah Johnson and spouse - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 405599 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 405590 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435667 | XXXX | XXXX | D | B | C | B | D | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435667 | XXXX | XXXX | D | B | C | B | D | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Quit Claim - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see executed Quit Claim Deed attached. - Seller-XX/XX/XXXX Open-Property Title Issue Non-borrowing title holder, Elijah Hendrix, did not receive the initial/final CD, RTC or signed the deed of trust. There is an unexecuted Quit Claim deed in file to remove the individual from title (pg XXX); missing an executed document showing individual was actually removed from title. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see executed Quit Claim Deed attached. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Quit Claim - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435667 | XXXX | XXXX | D | B | C | B | D | A | N/A | N/A | Closed | FCOM1265 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Quit Claim - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see fully executed Quitclaim Deed attached - Seller-XX/XX/XXXX Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form Non-borrowing title holder, Elijah Hendrix, did not receive the RTC. There is an unexecuted Quit Claim document in file removing the individual from title (pg XXX); missing executed document showing individual was removed from title. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see fully executed Quitclaim Deed attached - Seller-XX/XX/XXXX |
Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Quit Claim - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435667 | XXXX | XXXX | D | B | C | B | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see CD Consummation attached. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing the executed Final CD compliance testing is incomplete. Additional Findings XXX apply upon receipt and review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see CD Consummation attached. - Seller-XX/XX/XXXX |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435667 | XXXX | XXXX | D | B | C | B | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 435667 | XXXX | XXXX | D | B | C | B | D | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% (XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 435667 | XXXX | XXXX | D | B | C | B | D | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 435667 | XXXX | XXXX | D | B | C | B | D | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 435667 | XXXX | XXXX | D | B | C | B | D | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 411373 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402064 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 449883 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450815 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 415247 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-C executed at application and closing for Borrower X - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 415247 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-C executed at application and closing for Borrower X - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX – received executed XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 458903 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 411408 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402065 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415278 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411396 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411384 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435655 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE7497 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-XX/XX/XXXX - received mortgage statement with PITIA for primary - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Mortgage Monthly statement including HOI, Property Taxes and HOA fees attached. - Seller-XX/XX/XXXX Open-- Please provide verification of taxes, insurance, and HOA dues (if applicable) for primary residence. If escrowed, a copy of the mortgage statement is also required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Mortgage Monthly statement including HOI, Property Taxes and HOA fees attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received mortgage statement with PITIA for primary - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Second Home | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 411368 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424797 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405568 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 450816 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 415266 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411413 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 411413 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - received reinspection dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the Reinspection Report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #DR-XXXX-SC, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the Reinspection Report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received reinspection dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439675 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424822 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 405600 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405574 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411392 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424792 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405603 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435711 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435720 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 402063 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 449879 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411379 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-Inspection report attached. no damage had been reported - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-Inspection report attached. no damage had been reported - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 424802 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC attached signed and dated by our borrower. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing Missing executed ROR for the borrower and non-borrowing spouse. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC attached signed and dated by our borrower. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 424785 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439633 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411416 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415287 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 405581 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NE | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 415265 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411442 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 415294 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450817 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 411366 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411426 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 415264 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 415264 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 415244 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424772 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411381 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - no report attached - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see re-inspection report attached - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX Ready for Review-Please see re-inspection report attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 405567 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439621 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received response from closing title company, XXX, subordinate 3rd lien holder, XXX has marked the line of credit as closed with intent to release the lien. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This lien was paid off (pages X-X) and closed/released (pages X-X) and verified at the time of the transaction. - Seller-XX/XX/XXXX Open-Property Title Issue 3rd lien for $XXk showing of record, HELOC Close Line Letter provided, pg XXX. Provide final title policy reflecting this lien reconveyed and subject lien in second position. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This lien was paid off (pages X-X) and closed/released (pages X-X) and verified at the time of the transaction. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received response from closing title company, XXX, subordinate 3rd lien holder, XXX has marked the line of credit as closed with intent to release the lien. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | |||
| 405594 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411386 | XXXX | XXXX | B | A | A | A | B | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Missing US Patriot Act Disclosure - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Open-Missing US Patriot Act Disclosure - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PA DL exp XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Driver's License attached from our borrower. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received evidence of valid SSN via DataVerify. Still missing IDs. Per Client GLs, the identity must be confirmed for each Borrower whose credit is used for loan qualification. The closing agent, notary public or signing attorney, as appropriate, must provide evidence that the identification document has been confirmed for each Borrower. Acceptable forms of identification include: • Valid state drivers license with Selleroto; • Work ID with Selleroto; • Military Selleroto ID; • Permanent Resident card with Selleroto; • Medicare card; • Valid state non-drivers license with Selleroto; • Student Selleroto ID; • Military dependents Selleroto ID; • Department of Public Welfare Selleroto ID; or • US passport with Selleroto. • Notary-signed Patriot Act Consumer Identification Form - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see USA Patriot Act Information Disclosure, Daraferify and w2 attached. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received executed USA Patriot Act Information Form signed by the borrower, however still missing Selleroto IDs or US Patriot Act disclosure with ID information completed by the closing agent - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Patriot Act Form attached. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure Pat Act form provided (pg XX) is not completed and does not reflect any documentation verifying borrowers identity or citizenship. No other ID or documentation was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Driver's License attached from our borrower. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see USA Patriot Act Information Disclosure, Daraferify and w2 attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Patriot Act Form attached. - Seller-XX/XX/XXXX |
Resolved-Missing US Patriot Act Disclosure - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PA DL exp XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 458876 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475966 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The PCCD was issued on XX/XX/XXXX, the closed XX/XX/XXXX. The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The PCCD was issued on XX/XX/XXXX, the closed XX/XX/XXXX. The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 475966 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. The PCCD was issued on XX/XX/XXXX, the closed XX/XX/XXXX. The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. The PCCD was issued on XX/XX/XXXX, the closed XX/XX/XXXX. The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 449863 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report dated XX/XX/XXXX attached - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX and #XXXX subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report dated XX/XX/XXXX attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 415303 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435701 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1316 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received VVOE performed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please VVOE XX business days between closing - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please VVOE XX business days between closing - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received VVOE performed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 411417 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439625 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415298 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 405576 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405571 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435694 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached no damage been reported - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection for Helene on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached no damage been reported - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 411371 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FVAL3825 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-XX/XX/XXXX – received reinspection report dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-Inspection Report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX & EM-XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-Inspection Report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received reinspection report dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 411371 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1159 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-XX/XX/XXXX - received prior policy effective XX/XX/XX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Previous HOI policy attached from XX/XXXX to XX/XXXX - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX , loan disbursed on X-XX-XXXX. Provide prior policy for continuance of coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Previous HOI policy attached from XX/XXXX to XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received prior policy effective XX/XX/XX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 411371 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received doc image report prepared for title co listing first lien. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Title report showing 1st lien amount as open mortgage - Seller-XX/XX/XXXX Open-Property Title Issue The 1st Mortgage details are not listed on the Title Search. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Title report showing 1st lien amount as open mortgage - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received doc image report prepared for title co listing first lien. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 415252 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424809 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411367 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received insurance RCE of $XXXX,XXX and policy effective XX/XX/XXXX with coverage of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the replacement Cost Estimator attached. - Seller-XX/XX/XXXX Open-Provide evidence of Guaranteed Replacement Coverage. Hazard policy reflects dwelling coverage that is less than the combined liens and cost to replace reflected on the appraisal. Guaranteed replacement coverage not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the replacement Cost Estimator attached. - Seller-XX/XX/XXXX |
Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received insurance RCE of $XXXX,XXX and policy effective XX/XX/XXXX with coverage of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 411367 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XXXXXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 415286 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435708 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received updated credit report showing paid accounts post close. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The stated purpose of the subject loan was to pay off debts. Seller obtained the attached updated credit report to confirm the borrower did truly pay off debts with the loan proceeds, and the ratios that would result from the attached total liabilities would be XX.XX% / XX.XX%. - Seller-XX/XX/XXXX Open-The calculated DTI XXXed on verified income and debts used to qualify by lender is XX.XX%, which exceeds the guidelines max DTI of XX.XX%. The XXXX provided states DTI of XX.XXX% with total income of $XX,XXX.XX and total dent of $X,XXX.XX, which = DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The stated purpose of the subject loan was to pay off debts. Seller obtained the attached updated credit report to confirm the borrower did truly pay off debts with the loan proceeds, and the ratios that would result from the attached total liabilities would be XX.XX% / XX.XX%. - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received updated credit report showing paid accounts post close. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435666 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XX-XXXX-XX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 411387 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 405580 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415267 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424827 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 439678 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM3957 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - received initial LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see initial LE attached. - Seller-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Disclosure Tracking Log (pg XXX) reflects initial LE was issued on XX/XX/XXXX and received by borrower on XX/XX/XXXX. Compliance is incomplete. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see initial LE attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received initial LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 439678 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Cure with final CD - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Cure with final CD - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||||
| 435677 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415285 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415269 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 415275 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 405577 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411390 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 415246 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 415246 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XXXX - received CD signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX Open-Missing the executed Final CD compliance testing is incomplete. Additional Findings XXX apply upon receipt and review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received CD signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435662 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing Missing the executed ROR evidencing the borrower had X business days to rescind the refinance transaction. Final CD was executed by borrower on XX/XX/XXXX, however Security Instrument, while dated XX/XX/XXXX, was executed by borrower on XX/XX/XXXX and also notarized on XX/XX/XXXX. PCCD (pg XXX), issued on XX/XX/XXXX, reflects disbursement date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435662 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Provide executed and notarized Name Affidavit for borrower(s). | Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Name Affidavit - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Provide executed and notarized Name Affidavit Missing executed and notarized Name Affidavit. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Name Affidavit - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424844 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435663 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-- Per FEMA Disaster Declaration #XXXX and #XXXX, subject's county was impacted on XX/XX/XXXX and XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 424801 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 424840 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411439 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424794 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 415299 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 415270 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424780 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405569 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415253 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435697 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435699 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424829 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424776 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411438 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435705 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435705 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 449853 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 424831 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424768 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424817 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402096 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435676 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 415245 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 424824 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435661 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached no damage been reported - Seller-XX/XX/XXXX Open-- Appraiser last viewed the subject property XX/XX/XXXX for XXXXD, however as listed on FEMA site, subject county has been declared as a disaster area twice since that time. #XXXX was declared on XX/XX/XXXX and #XXXX on XX/XX/XXXX (incident date of XX/XX/XXXX). Please provide acceptable reinspection confirming no damage or ongoing ancillary impact from these events. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached no damage been reported - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435661 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE7497 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-XX/XX/XXXX - received VOM with PITIA - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see verification of mortgage reflecting escrow accts for investment properties. - Seller-XX/XX/XXXX Open-- Please provide verification of HOA Dues for borrower's primary residence and second investment property held. Additionally, please provide evidence mortgage payment on the primary includes escrows for taxes and insurance or these amounts must be validated and included as well. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see verification of mortgage reflecting escrow accts for investment properties. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received VOM with PITIA - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435661 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1345 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Borrower X Lease Agreements Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Most recent returns used for rental income - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please guidelines attached related to the lease agreement requested or missing. Per guidelines rental lease agreement are not required since we have the most recent tax return for the income calculation. - Seller-XX/XX/XXXX Open-Borrower X Lease Agreements Missing - Please provide a copy of current lease agreements for the subject to ensure no issue with respect to lien position and to validate income is ongoing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please guidelines attached related to the lease agreement requested or missing. Per guidelines rental lease agreement are not required since we have the most recent tax return for the income calculation. - Seller-XX/XX/XXXX |
Resolved-Borrower X Lease Agreements Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Most recent returns used for rental income - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435661 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-Most recent return used - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Could you please review this exception? Since the previous exceptions for missing lease agreements and missing personal tax returns were cleared, The UW used paystubs, cash flow analysis and rental income worksheet to calculated bwr's income and appears that DTI is XX.XXX% - Seller-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX.XX% - Discrepancy appears to be due to lender using only a XX month average of borrower's Schedule C loss for XXXX, however XXXX transcripts in file reflect a higher loss and thus a XX month average is required, which is -$X,XXXX/mo vs. -$XXXX.XX as indicated on XXXX. Please provide an Approved Investor Exception or documentation supporting exclusion of this loss. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Could you please review this exception? Since the previous exceptions for missing lease agreements and missing personal tax returns were cleared, The UW used paystubs, cash flow analysis and rental income worksheet to calculated bwr's income and appears that DTI is XX.XXX% - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-Most recent return used - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 435664 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 415293 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435684 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415279 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 415249 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415248 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424800 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 415289 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 449860 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449858 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435716 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435670 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424763 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458901 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411412 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475925 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439629 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415262 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424805 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435709 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435687 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450818 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449872 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475942 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439669 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439644 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 415280 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424808 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424828 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435723 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435700 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 435700 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-XX/XX/XXXX - received COC dated XX/XX/XXXX with CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see CD dated XX/XX, COC, proof of delivery and Lock Rate attached. Changes on the settlement charges (Recording fees) were caused by a relock/lock extension/ rate lock due change on property type. from single family to PUD. - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges (XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). Recording Fees increased from XXX to $XXX from the XXXeline LE to the Final CD without a written COC. Missing evidence the borrower was reimbursed $XXX.XXX to cure the XX% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see CD dated XX/XX, COC, proof of delivery and Lock Rate attached. Changes on the settlement charges (Recording fees) were caused by a relock/lock extension/ rate lock due change on property type. from single family to PUD. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received COC dated XX/XX/XXXX with CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435700 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - received COC dated XX/XX/XXXX with CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached. Consummation occurred on XX/XX/XXXX - Seller-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached. Consummation occurred on XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received COC dated XX/XX/XXXX with CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435700 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX - received COC dated XX/XX/XXXX with CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached. Consummation date XX/XX/XXXX - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached. Consummation date XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received COC dated XX/XX/XXXX with CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 424816 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439661 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424811 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439655 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424777 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449864 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 435682 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435693 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475962 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE5782 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-XX/XX/XX - Client waiver provided, no derogatory or new debt noted. Seller exception waiver provided with Compensating Factors are as followed: X. Residual income greater than XXX.XX; X. Low housing ratio; X. Prior homeownership experience (No FC or Short Sale); X. Low default risk with substantial equity, LTV XX% lower than matrix - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Mark has approved an exception, per his request, uploading a new credit report soft pull. There is no new significant debt nor is there any new derogatory items. - Seller-XX/XX/XXXX Open-Missing gap credit report. Initial credit (pg XX) was pulled XX/XX/XXXX. Gap credit required as initial credit older than XX days as of Note (pg X) date of XX/XX/XXXX. When the credit report will be more than XX days old as of the Mortgage Note date, a credit soft pull must be obtained within XX calendar days of the Mortgage Note date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Mark has approved an exception, per his request, uploading a new credit report soft pull. There is no new significant debt nor is there any new derogatory items. - Seller-XX/XX/XXXX |
Waived-XX/XX/XX - Client waiver provided, no derogatory or new debt noted. Seller exception waiver provided with Compensating Factors are as followed: X. Residual income greater than XXX.XX; X. Low housing ratio; X. Prior homeownership experience (No FC or Short Sale); X. Low default risk with substantial equity, LTV XX% lower than matrix - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||
| 475962 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE5783 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-XX/XX/XX - Client waiver provided, no derogatory or new debt noted. Seller exception waiver provided with Compensating Factors are as followed: X. Residual income greater than XXX.XX; X. Low housing ratio; X. Prior homeownership experience (No FC or Short Sale); X. Low default risk with substantial equity, LTV XX% lower than matrix - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Mark has approved an exception, per his request, uploading a new credit report soft pull. There is no new significant debt nor is there any new derogatory items. - Seller-XX/XX/XXXX Open-Missing gap credit report. Initial credit (pg XX) was pulled XX/XX/XXXX. Gap credit required as initial credit older than XX days as of Note (pg X) date of XX/XX/XXXX. When the credit report will be more than XX days old as of the Mortgage Note date, a credit soft pull must be obtained within XX calendar days of the Mortgage Note date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Mark has approved an exception, per his request, uploading a new credit report soft pull. There is no new significant debt nor is there any new derogatory items. - Seller-XX/XX/XXXX |
Waived-XX/XX/XX - Client waiver provided, no derogatory or new debt noted. Seller exception waiver provided with Compensating Factors are as followed: X. Residual income greater than XXX.XX; X. Low housing ratio; X. Prior homeownership experience (No FC or Short Sale); X. Low default risk with substantial equity, LTV XX% lower than matrix - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 475962 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 449869 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 435683 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424770 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424771 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435724 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435724 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435724 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report datedXX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - no attachment provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Plese see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX and #XXXX, impacted on XX/XX/XXXX after appraisal inspection on XXXXXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached - Seller-XX/XX/XXXX Ready for Review-Plese see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report datedXX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424833 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424835 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450819 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | |||||
| 450819 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | FCRE1145 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received final short form policy - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see final Title report and additional title documents attached. - Seller-XX/XX/XXXX Open-Guidelines require a full ALTA title report for loan amounts exceeding$XXXX,XXX. Loan amount is $XXX,XXX but only a Owner & Encumbrance title report was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see final Title report and additional title documents attached. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received final short form policy - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 450819 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received COC dated XX/XX/XXXXfor increase to Fee for 2nd Appraisal and increase to settlement charges. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time these two-cure requested due to increase in Appraisal fee and settlement charges? We submitted and received a 2nd appraisal report or review fee on XXX XXth which is between X business days of the CD dated XX/XX/XXXX which is showing an increased in the appraisal report. Please a valid COC, proof of delivery and CD dated XX/XX/XXXX. in regards the increase in settlement charges please see the PCCD page # X of X under section J which is showing a lender credit for the amount of $XXX.XX which is the same increase in the settlement charges. additionally, the Post closer agent added another cure for $XXX.XX which is more than enough to cover the increase in settlement charges. please see attached documents - Seller-XX/XX/XXXX Open-The Appraisal Fee increased from $XXX to $XXX and the Title-Settlement fee increased from $XXX to XXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. The lender provided a $XXX tolerance cure on the PCCD, which was not sufficient to remedy the tolerance violation. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review one more time these two-cure requested due to increase in Appraisal fee and settlement charges? We submitted and received a 2nd appraisal report or review fee on XXX XXth which is between X business days of the CD dated XX/XX/XXXX which is showing an increased in the appraisal report. Please a valid COC, proof of delivery and CD dated XX/XX/XXXX. in regards the increase in settlement charges please see the PCCD page # X of X under section J which is showing a lender credit for the amount of $XXX.XX which is the same increase in the settlement charges. additionally, the Post closer agent added another cure for $XXX.XX which is more than enough to cover the increase in settlement charges. please see attached documents - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC dated XX/XX/XXXXfor increase to Fee for 2nd Appraisal and increase to settlement charges. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 450819 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document Uploaded. Could you please review one more time these two-cure requested due to increase in Appraisal fee and settlement charges? We submitted and received a 2nd appraisal report or review fee on XXX XXth which is between X business days of the CD dated XX/XX/XXXX which is showing an increased in the appraisal report. Please a valid COC, proof of delivery and CD dated XX/XX/XXXX. in regards the increase in settlement charges please see the PCCD page # X of X under section J which is showing a lender credit for the amount of $XXX.XX which is the same increase in the settlement charges. additionally, the Post closer agent added another cure for $XXX.XX which is more than enough to cover the increase in settlement charges. please see attached documents - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Appraisal Fee increased from $XXX to $XXX and the Title-Settlement fee increased from $XXX to XXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. The lender provided a $XXX tolerance cure on the PCCD, which was not sufficient to remedy the tolerance violation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Document Uploaded. Could you please review one more time these two-cure requested due to increase in Appraisal fee and settlement charges? We submitted and received a 2nd appraisal report or review fee on XXX XXth which is between X business days of the CD dated XX/XX/XXXX which is showing an increased in the appraisal report. Please a valid COC, proof of delivery and CD dated XX/XX/XXXX. in regards the increase in settlement charges please see the PCCD page # X of X under section J which is showing a lender credit for the amount of $XXX.XX which is the same increase in the settlement charges. additionally, the Post closer agent added another cure for $XXX.XX which is more than enough to cover the increase in settlement charges. please see attached documents - Seller-XX/XX/XXXX |
Resolved-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 449888 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 439626 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449866 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 424758 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424823 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435714 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 439679 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450820 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424839 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435715 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1220 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - complete, recorded DOT provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see final DOT attached. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing executed Deed of Trust. DOT provided (pg X) is not for subject property nor borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see final DOT attached. - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - complete, recorded DOT provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435715 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - executed XXXX signed at closing provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing XXXXT executed at closing. XXXX provided (pg XXX) is not for borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - executed XXXX signed at closing provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 439671 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439640 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450821 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424798 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM0015 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Closing | Vested Owner Signature Requirement Not Satisfied | Resolved-XX/XX/XXXX - received Affidavit of Surviving, Death Cert - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Affidavit of Surviving, Death Certification, and clear to close certificate attached showing that bwr is the only owner of the property - Seller-XX/XX/XXXX Open-Vested Owner Signature Requirement Not Satisfied The current vesting on the Title Report reflects Harry E castle Jr and Deidre Castle husband and wife as joint tenants. The borrower on the Note and Deed is just Deidre Castle. Provide Quit claim that removed the spouse as vested owner. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Affidavit of Surviving, Death Certification, and clear to close certificate attached showing that bwr is the only owner of the property - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received Affidavit of Surviving, Death Cert - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424790 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424836 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received UCC Termination - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see UCC Financing Termination attached. - Seller-XX/XX/XXXX Open-Property Title Issue - Title Report in file indicates XXX filing remains open and payment was included in ratios. XXXX contains a note from underwriter that item was to be terminated at closing, please provide to verify no impact to HCLTV. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see UCC Financing Termination attached. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received UCC Termination - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435680 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435695 | XXXX | XXXX | C | B | C | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435695 | XXXX | XXXX | C | B | C | B | C | A | N/A | N/A | Closed | FCRE1159 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-XX/XX/XXXX - received prior policy effective XX/XX/XX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Prior term hazard attached. - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX. Provide prior policy showing continued coverage - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Prior term hazard attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received prior policy effective XX/XX/XX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439627 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435686 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439643 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 435673 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424799 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439616 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM0018 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - evidence of borrower receipt of appraisal provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see proof of appraisal been delivered to our borrower. - Seller-XX/XX/XXXX Open-Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see proof of appraisal been delivered to our borrower. - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - evidence of borrower receipt of appraisal provided. - Due Diligence Vendor-XX/XX/XXXX |
Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||
| 439616 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-XX/XX/XXXX - evidence of borrower receipt of appraisal provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see proof of appraisal been delivery attached. - Seller-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. . A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained, however no disclosure was issued to the borrowers within three business days after receiving the consumers’ application stating that they are entitled to a free copy of any appraisal, Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please see proof of appraisal been delivery attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - evidence of borrower receipt of appraisal provided. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 439616 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-2838 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | OK HOEPA Higher-Priced Mortgage Loan Test | Resolved-XX/XX/XXXX - evidence of borrower receipt of appraisal provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see proof of appraisal was submitted to our borrower attached. - Seller-XX/XX/XXXX Open-This loan failed the OK HOEPA higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the Oklahoma Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report. While the Oklahoma HOEPA Higher-Priced Mortgage Loan provisions specify that lenders XXX lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained, however no disclosure was issued to the borrowers within three business days after receiving the consumers’ application stating that they are entitled to a free copy of any appraisal, Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see proof of appraisal was submitted to our borrower attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - evidence of borrower receipt of appraisal provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435672 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 439658 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439652 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435656 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439646 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCOM1232 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed final XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see a complete Final and initial XXXX attached signed and dated by borrower and LO - Seller-XX/XX/XXXX Open-The Final XXXX is Missing Missing Final XXXX. Initial XXXX is incomplete, only X pages was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see a complete Final and initial XXXX attached signed and dated by borrower and LO - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed final XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 458870 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424765 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439663 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 415292 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE7009 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-XX/XX/XXXX - received policy reflecting additional XX% replacement coverage A - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Page X of the hazard policy under "Other Coverages and Endorsements" shows this coverage includes the "HomeShield Plus Package." Page X defines that package and shows it includes an additional XX.XX% dwelling replacement cost, therefore total coverage exceeds the balance of the existing lien and subject lien. - Seller-XX/XX/XXXX Open-Hazard policy reflects dwelling coverage is less than the total the combined liens and no cost to re-build was provided or extended replacement cost coverage reflected on the policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Page X of the hazard policy under "Other Coverages and Endorsements" shows this coverage includes the "HomeShield Plus Package." Page X defines that package and shows it includes an additional XX.XX% dwelling replacement cost, therefore total coverage exceeds the balance of the existing lien and subject lien. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received policy reflecting additional XX% replacement coverage A - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424837 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435712 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449838 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435665 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435707 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM2340 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | CD: General Form Requirements Not Met | Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - executed final CD provided, signed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The final CD was not signed by the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - executed final CD provided, signed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435698 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 424807 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439630 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 449875 | XXXX | XXXX | B | B | B | B | B | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 449875 | XXXX | XXXX | B | B | B | B | B | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Patriot Act from both borrowers attached. - Seller-XX/XX/XXXX Open-Missing executed Patriot Act Disclosure for BX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Patriot Act from both borrowers attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 458895 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 519312 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3550 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the non-numeric clerical error and post-consummation revised closing disclosure delivery date test.( XX CFR §XXXX.XX(f)(X)(iv) )The post-consummation reason for redisclosure is "non-numeric clerical error" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Changes due to clerical errors. A creditor does not violate §XXXX.XX(f)(X)(i) if the disclosures provided under §XXXX.XX(f)(X)(i) contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than XX days after consummation. The final Post Closing CD was Issued on XX/XX/XXXX which is more than XX days from the consummation date. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the non-numeric clerical error and post-consummation revised closing disclosure delivery date test.( XX CFR §XXXX.XX(f)(X)(iv) )The post-consummation reason for redisclosure is "non-numeric clerical error" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Changes due to clerical errors. A creditor does not violate §XXXX.XX(f)(X)(i) if the disclosures provided under §XXXX.XX(f)(X)(i) contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than XX days after consummation. The final Post Closing CD was Issued on XX/XX/XXXX which is more than XX days from the consummation date. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435706 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450822 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 424766 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449846 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435679 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435657 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450823 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee. These documents were submitted in the original binder please see page # XXX to XXX. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal Fee increased from $XXX to$XXXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. Lender provided a COC (pg XXX) to add a $XXX re-inspection fee on XX/XX/XXXX but the original appraisal was completed as-is and there was no appraisal reinspection completed to justify increasing the appraisal fee. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD & pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee. These documents were submitted in the original binder please see page # XXX to XXX. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 450823 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document Uploaded. Please see PCCD & pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee. These documents were submitted in the original binder please see page # XXX to XXX - Seller-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Document Uploaded. Please see PCCD & pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee. These documents were submitted in the original binder please see page # XXX to XXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 450823 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document Uploaded. Please see PCCD & pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee. These documents were submitted in the original binder please see page # XXX to XXX - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Document Uploaded. Please see PCCD & pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee. These documents were submitted in the original binder please see page # XXX to XXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439639 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435692 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCOM1232 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received initial and final executed XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Initial & final XXXX - Seller-XX/XX/XXXX Open-The Final XXXX is Missing The executed Final XXXX was not provided in the image file, some data gleaned from other credit documentation. Additional findings XXX be required upon receipt - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Initial & final XXXX - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received initial and final executed XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435692 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCOM1231 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received initial and final executed XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see Initial & final XXXX - Seller-XX/XX/XXXX Open-The Initial XXXX is Missing The executed Initial XXXX was not provided in the image file, some data gleaned from other credit documentation. Additional findings XXX be required upon receipt - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please see Initial & final XXXX - Seller-XX/XX/XXXX |
Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received initial and final executed XXXX - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 435689 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449878 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received complete ICD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see a complete initial CD dated XX/XX/XXXX - Seller-XX/XX/XXXX Open-Missing page XX/X of initial CD issued on XX/XX/XXXX. Finance Charge entered as X and APR entered per final LE. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see a complete initial CD dated XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received complete ICD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435669 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439637 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439650 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449885 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424818 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439677 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415295 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - County not eligible for Individual Assistance - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? per FEMA website the county where is located this property is not listed as disaster area for the Hurricane Helen. Please see attached documents. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review one more time this exception? per FEMA website the county where is located this property is not listed as disaster area for the Hurricane Helen. Please see attached documents. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - County not eligible for Individual Assistance - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 439670 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee with a valid COC. Pymt history attached shows that cure was applied a Principal reduction and is not required to proof of delivery to bwr. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal Fee increased from $XXX to $XXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee with a valid COC. Pymt history attached shows that cure was applied a Principal reduction and is not required to proof of delivery to bwr. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439670 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee with a valid COC. Pymt history attached shows that cure was applied a Principal reduction and is not required to proof of delivery to bwr. - Seller-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee with a valid COC. Pymt history attached shows that cure was applied a Principal reduction and is not required to proof of delivery to bwr. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439670 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee with a valid COC. Pymt history attached shows that cure was applied a Principal reduction and is not required to proof of delivery to bwr. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee with a valid COC. Pymt history attached shows that cure was applied a Principal reduction and is not required to proof of delivery to bwr. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439670 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 439670 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 449861 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439628 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435703 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439634 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450824 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM9281 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Condo PUD rider | Resolved-XX/XX/XX - received lender response: "it appears that the PC that generated the original binder included incorrectly a XXXX that was included a HOA fees, but after a further review looks like the property is not responsible for any HOA fees. Please see an update XXXX, Loan approval showing correct ratios, XXXX, HOI policy, property taxes and the appraisal report shows that there is not HOA fee on the property." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. it appears that the PC that generated the original binder included incorrectly a XXXX that was included a HOA fees, but after a further review looks like the property is not responsible for any HOA fees. Please see an update XXXX, Loan approval showing correct ratios, XXXX, HOI policy, property taxes and the appraisal report shows that there is not HOA fee on the property. - Seller-XX/XX/XXXX Open-A PUD Rider was not prepared with the subject mortgage however the senior mortgage shows the subject is part of a PUD and the XXXX reflects monthly HOA payments. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. it appears that the PC that generated the original binder included incorrectly a XXXX that was included a HOA fees, but after a further review looks like the property is not responsible for any HOA fees. Please see an update XXXX, Loan approval showing correct ratios, XXXX, HOI policy, property taxes and the appraisal report shows that there is not HOA fee on the property. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received lender response: "it appears that the PC that generated the original binder included incorrectly a XXXX that was included a HOA fees, but after a further review looks like the property is not responsible for any HOA fees. Please see an update XXXX, Loan approval showing correct ratios, XXXX, HOI policy, property taxes and the appraisal report shows that there is not HOA fee on the property." - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424804 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439617 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424791 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 439667 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424796 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424787 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415251 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439673 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424788 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439642 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435681 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424821 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure executed by the closing agent with ID info or provide Selleroto ID - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 449840 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439632 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 424843 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435717 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Investment | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439624 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424820 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458892 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435691 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415283 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report datedXX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report datedXX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 424832 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415281 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX –County not eligible for Individual Assistance - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? Per FEMA website the county of Floyd is not designated as disaster area affected. Please see attached documents. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review one more time this exception? Per FEMA website the county of Floyd is not designated as disaster area affected. Please see attached documents. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX –County not eligible for Individual Assistance - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 424815 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424814 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458866 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424786 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435674 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted XX/XX/XXXX - XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. File contains a clear Condition Assessment Report (pg XXX) dated XX/XX/XXXX, however it states no damage from Hurricane Helene, which is FEMA Declaration # XXXX. Declaration #XXXX is Hurricane Milton. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435690 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435690 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 491165 | XXXX | XXXX | C | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period for loans with application dates prior to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period for loans with application dates prior to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 491165 | XXXX | XXXX | C | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period for loans with application dates prior to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period for loans with application dates prior to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 491165 | XXXX | XXXX | C | B | B | B | A | A | N/A | N/A | Closed | FPRO1136 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is XXXis (Primary Value) | Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Mold inspection dated XX/XX/XXXX provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see inspection report attached. Per Appraisal report we just need an opinion for the microbial growth. The inspection report shows that no mold present on the property - Seller-XX/XX/XXXX Open-Primary Value Subject Property Appraisal is not on an As-Is XXXis XXX is missing, however Mold Inspection (pg XXX) reflects no spores detected. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see inspection report attached. Per Appraisal report we just need an opinion for the microbial growth. The inspection report shows that no mold present on the property - Seller-XX/XX/XXXX |
Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Mold inspection dated XX/XX/XXXX provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 450825 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424841 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439645 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424759 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458898 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475979 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424773 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424806 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424803 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424760 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439666 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435658 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458908 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435659 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435710 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424778 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439659 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449848 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439665 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and pymt history attached showing a cure for $X,XXXX due to increase in settlement charges. No need proof of delivery to bwr since cure was applied a Principal Reduction. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Curative not provided - received duplicate COC and CD; The COC was issued (pg XXX), however it reflects the changes were received on XX/XX/XXXX however the revised CD was not issued until XX/XX/XXXX, which is outside the X day re-disclosure period. In addition, the Transfer Taxes increased from $X to $X.XX however the Final CD reflects a $X.XX cure for this tolerance violation. Remaining amount due borrower is $X,XXX to cure X% tolerance violation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. No cure is required for this file. Increased in the discount points were caused due to rate lock/lock extension/relock. Please see attached CD, COC, proof of delivery and lock confirmation - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Discount Points increased from $X to $X,XXX from the XXXeline LE to the Final CD. A COC was issued (pg XXX), however it reflects the changes were received on XX/XX/XXXX howeverthe revised CD was not issued until XX/XX/XXXX, which is outside the X day re-disclosure period. In addition, the Transfer Taxes increased from $X to $X.XX however the Final CD reflects a $X.XX cure for this tolerance violation. Remaining amount due borrower is $X,XXX to cure X% tolerance violation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and pymt history attached showing a cure for $X,XXXX due to increase in settlement charges. No need proof of delivery to bwr since cure was applied a Principal Reduction. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. No cure is required for this file. Increased in the discount points were caused due to rate lock/lock extension/relock. Please see attached CD, COC, proof of delivery and lock confirmation - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 439665 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - Curative not provided - received duplicate Final CD; The COC was issued (pg XXX), however it reflects the changes were received on XX/XX/XXXX however the revised CD was not issued until XX/XX/XXXX, which is outside the X day re-disclosure period. In addition, the Transfer Taxes increased from $X to $X.XX however the Final CD reflects a $X.XX cure for this tolerance violation. Remaining amount due borrower is $X,XXX to cure X% tolerance violation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD reflecting a lender cure for $X.XX due to increase in State Tax/Stamps. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Discount Points increased from $X to $X,XXX from the XXXeline LE to the Final CD. A COC was issued (pg XXX), however it reflects the changes were received on XX/XX/XXXX howeverthe revised CD was not issued until XX/XX/XXXX, which is outside the X day re-disclosure period. In addition, the Transfer Taxes increased from $X to $X.XX however the Final CD reflects a $X.XX cure for this tolerance violation. Remaining amount due borrower is $X,XXX to cure X% tolerance violation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD reflecting a lender cure for $X.XX due to increase in State Tax/Stamps. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 439665 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3545 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and pint history showing a cure for the amount of $X,XXXX due to increase in settlement charges. no need proof of delivery since cure was already applied as Principal reduction. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Curative not provided - received duplicate COC, revised CD and Final CD; The COC was issued (pg XXX), however it reflects the changes were received on XX/XX/XXXX however the revised CD was not issued until XX/XX/XXXX, which is outside the X day re-disclosure period. In addition, the Transfer Taxes increased from $X to $X.XX however the Final CD reflects a $X.XX cure for this tolerance violation. Remaining amount due borrower is $X,XXX to cure X% tolerance violation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Reviewer unable to establish if this exception is a waterfall from the increase in the discount points or increase in the State Tax/Stamps. The increased in the discount points had occurred due to rate lock/relock/ or lock extension and State tax was cured and reflected on the Consummation CD. Please see attached documents that includes CDs dated XX/XX & XX/XX, Rate lock, COC and proof of delivery - Seller-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. ( XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , XX CFR §XXXX.XX(e)(X)(i) )The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure) and §XXXX.XX(e)(X)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count XXXed on the client preferences configured on the company settings business days profile page:As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms.Official InterpretationsXX C.F.R. §XXXX.XX(e)(X)(ii)Relationship to disclosures required under §XXXX.XX(f)(X)(i).Revised disclosures XXX not be delivered at the same time as the Closing Disclosure. §XXXX.XX(e)(X)(ii) prohibits a creditor from providing a revised version of the disclosures required under §XXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXX.XX(f)(X)(i)...However, if a creditor uses a revised estimate pursuant to § XXXX.XX(e)(X)(iv) for the purpose of determining good faith under § XXXX.XX(e)(X)(i) and (ii), § XXXX.XX(e)(X)(i) permits the creditor to provide the revised estimate in the disclosures required under § XXXX.XX(f)(X)(i) (including any corrected disclosures provided under § XXXX.XX(f)(X)(i) or (ii)). The COC is dated XX/XX/XXXX and the revised CD is dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and pint history showing a cure for the amount of $X,XXXX due to increase in settlement charges. no need proof of delivery since cure was already applied as Principal reduction. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Reviewer unable to establish if this exception is a waterfall from the increase in the discount points or increase in the State Tax/Stamps. The increased in the discount points had occurred due to rate lock/relock/ or lock extension and State tax was cured and reflected on the Consummation CD. Please see attached documents that includes CDs dated XX/XX & XX/XX, Rate lock, COC and proof of delivery - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 439665 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 439665 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 458868 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Satisfaction of the Judgement Lien that was recorded XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Satisfaction attached. - Seller-XX/XX/XXXX Open-Property Title Issue Title (pg XXXX) reflects open judgement in the amount of $X,XXX.XX that was not paid off at closing. Copy of judgement (pg XXX) reflects it is against borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Satisfaction attached. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Satisfaction of the Judgement Lien that was recorded XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475902 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439653 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449849 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449871 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 449882 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458880 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450827 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 449870 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-PCCD cure - Due Diligence Vendor-XX/XX/XXXX Resolved-Cured with PCCD - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Section J reflects $XX cure for total of$XXXX reimbursed. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cure docs attached. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is$XXXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Reinspection fee increased from $X to$XXXX on the Initial CD dated XX/XX/XXXX without a written COC. Missing evidence the borrower was reimbursed$XXXX for the increase. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cure docs attached. - Seller-XX/XX/XXXX |
Resolved-PCCD cure - Due Diligence Vendor-XX/XX/XXXX Resolved-Cured with PCCD - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Section J reflects $XX cure for total of$XXXX reimbursed. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 449870 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Section J reflects $XX cure for total of$XXXX reimbursed. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Completed additional $XXX cure. Combined with $XX cure at funding, this is$XXXX total. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded,$XXXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Reinspection fee increased from $X to$XXXX on the Initial CD dated XX/XX/XXXX without a written COC. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Completed additional $XXX cure. Combined with $XX cure at funding, this is$XXXX total. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Section J reflects $XX cure for total of$XXXX reimbursed. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 449870 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | |||||
| 449870 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3622 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | TRID | TRID Post-Consummation Reason for Redisclosure Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||||
| 449870 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | |||||
| 449841 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
10/02/20 | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | ||
| 491177 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Counter-XX/XX/XX report provided is for wrong loan/property in FL rather than NC - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. no damage - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. no damage - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 449873 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO1245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received re-cert of value dated XX/XX/XXXX at $XXXk - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The appraisal was recertified on XX/XX/XXXX. - Seller-XX/XX/XXXX Open-Primary Value Appraisal is Expired Missing re-certification or desk review of valuation provided. The Appraisal report is dated XX/XX/XXXX, loan application date is XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The appraisal was recertified on XX/XX/XXXX. - Seller-XX/XX/XXXX |
Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received re-cert of value dated XX/XX/XXXX at $XXXk - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 450828 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449859 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received X consecutive paystubs ending XX/XX/XXXX and XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Additional paystubs attached. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing XX days of consecutive paystubs. Borrower is paid bi-weekly, however only one paystub was provided for pay period XX/XX/XXXX - XX/XX/XXXX. Other pay stubs in file are from year end XXXX and XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Additional paystubs attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received X consecutive paystubs ending XX/XX/XXXX and XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 449847 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-XX/XX/XX - received USA Patriot Act signed by closer with ID info exp as XX/XX/XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Patriot Act Disclosure attached. - Seller-XX/XX/XXXX Open-The borrower's ID on the Patriotic Act Disclosure is expired. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Patriot Act Disclosure attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received USA Patriot Act signed by closer with ID info exp as XX/XX/XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 449887 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439680 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM3527 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Post Consummation CD issued improperly | Resolved-XX/XX/XXXX - received PCCD reflecting $XXX reimbursed as principal reduction on subject loan - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD showing corrections for cure approved to bwr for the amount of $XXX.XX also see proof of delivery done by Fedex - Seller-XX/XX/XXXX Open-Missing PCCD that reflects $XXX lender credit to cure amount over X% tolerance. PCCD provided (pg XXX) does not reflect credit to borrower, however LOE to borrower (pg XXX) states there is a refund check. Copy of check is provided (pg XXX) and proof sent to borrower (pg XXX) is also provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD showing corrections for cure approved to bwr for the amount of $XXX.XX also see proof of delivery done by Fedex - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD reflecting $XXX reimbursed as principal reduction on subject loan - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475917 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439619 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449874 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458865 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450829 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439647 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424842 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475909 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458883 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475946 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449856 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 497269 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439668 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450830 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449868 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 439622 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450831 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439657 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439623 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449851 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449881 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439662 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439664 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458905 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475896 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475980 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439660 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439672 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 475957 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 491157 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | Closed | FPRO1149 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | A | A | Property | Property | Property is Lease Hold | Resolved-XX/XX/XX - Leasehold Estoppel Affidavit provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Copy of recorded lease hold agreement not provided to verify it meets FNMA requirements. Appraiser states typical for area and doesn't negatively impact marketability. - Due Diligence Vendor-XX/XX/XXXX Open-Property Rights are Lease Hold Copy of recorded lease hold agreement not provided to verify it meets FNMA requirements. Appraiser states typical for area and doesn't negatively impact marketability. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Leasehold Estoppel Affidavit provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439641 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449837 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475951 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 450832 | XXXX | XXXX | C | B | C | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Client agrees to waive guideline requirement for most recent paystubs covering XX-day period for loans with application dates prior to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XX - It is Selleroenix understanding that the Waiver is for application dates prior to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see guidelines updates attached which states that the new requirement for XX days of paystubs will start on applications dated on and after XXX XX, XXXX. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing XX days of consecutive paystubs. Borrower is paid bi-weekly. Only one paystub provided for pay period XX/XX/XXXX-XX/XX/XXXX. Application date is after XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see guidelines updates attached which states that the new requirement for XX days of paystubs will start on applications dated on and after XXX XX, XXXX. - Seller-XX/XX/XXXX |
Waived-Client agrees to waive guideline requirement for most recent paystubs covering XX-day period for loans with application dates prior to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||
| 439636 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439676 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450833 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450834 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439620 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449852 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475908 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458900 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503420 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 491203 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475981 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475921 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475910 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458889 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503428 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439631 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449842 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449855 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491199 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Second Home | Refinance | Cash Out - Other | ||||||||||||||||||
| 497270 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475905 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Second Home | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497271 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439648 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458904 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449876 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449865 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475960 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | Closed | finding-47 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | A | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-XX/XX/XX-received cover letter and re-disclosed NORTC with exp date XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC signed and dated by both borrowers - Seller-XX/XX/XXXX Counter-XX/XX/XX - the loan funded on XX/XX/XXXX which is the same date as the ROR cancelation date. The disbursement date should have occurred on XX/XX/XXXX to allow for X-business day rescission period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? or either escalate it to your team lead? per NORTC our borrowers signed the NORTC on XX/XX/XXXX then three business days that includes XXXs gives three business days per calendar attached. Borrowers' initials and entered the correct date on both forms. - Seller-XX/XX/XXXX Open-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 XXX 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. The loan was consummated on XX/XX/XXXX and was in recession until midnight on XX/XX/XXXX. The earliest the loan could fund was XX/XX/XXXX, the loan funded on XX/XX/XXXX, which did not give borrowers the complete X day recession. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC signed and dated by both borrowers - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? or either escalate it to your team lead? per NORTC our borrowers signed the NORTC on XX/XX/XXXX then three business days that includes XXXs gives three business days per calendar attached. Borrowers' initials and entered the correct date on both forms. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX-received cover letter and re-disclosed NORTC with exp date XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 458885 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458886 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475964 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449867 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449857 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458878 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1145 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Final Short Form ALTA Policy - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Final Title Policy Insurance attached. - Seller-XX/XX/XXXX Counter-XX/XX/XX - per Client Guidelines: For Loan amounts >/= XXXk, must attain a full ALTA title report. The E&O and CPL were provided, however missing the ALTA Commitment or Final Policy - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time the original binder? the page # XXX shows the warranty of transaction for the loan amount which is $XXX,XXX.XX. Thank you - Seller-XX/XX/XXXX Open-Title Document is missing Loan amount is greater than$XXXX,XXX however a full ALTA title policy was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Final Title Policy Insurance attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time the original binder? the page # XXX shows the warranty of transaction for the loan amount which is $XXX,XXX.XX. Thank you - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Final Short Form ALTA Policy - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475892 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3399 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - curative for High Cost failure not provided, please review all High Cost Findings for details. Received initial and Final CD only, - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see initial CD dated XX/XX/XXXX signed & dated attached also see Consummation CD signed and dated until XX/XX/XXXX which is three days business days from initial CD - Seller-XX/XX/XXXX Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: ( XX CFR §XXXX.XX(c) )The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by XX CFR §XXXX.XX at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see initial CD dated XX/XX/XXXX signed & dated attached also see Consummation CD signed and dated until XX/XX/XXXX which is three days business days from initial CD - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475892 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3406 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX Ready for Review-PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (XX CFR §XXXX.XX(a)(X)(i), (ii))The loan is a XXXX RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by XX CFR §XXXX.XX; or The loan is a XXXX TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by XX CFR §XXXX.XX; or The High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraSeller (a)(X) must occur after:(A) The consumer receives either the disclosure required by section X(c) of the Real Estate Settlement Procedures Act of XXXX (XX U.S.C. XXXX(c)) or the disclosures required by §XXXX.XX; or(B) The consumer receives the disclosures required by §XXXX.XX(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 475892 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3408 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX Ready for Review-PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: ( XX CFR §XXXX.XX(a)(X)(i) )The loan provides for a late payment fee in excess of X% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and XXX not exceed X percent of the amount of the payment past due. No such charge XXX be imposed more than once for a single late payment. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 475892 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3392 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage APR Threshold Test | Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX Ready for Review-PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX Open-This loan failed the high-cost mortgage APR threshold test due to one of the following findings: ( XX CFR §XXXX.XX(a)(X)(i)(A), (C) )The loan is secured by a first-lien transaction, and the annual percentage rate (APR), as determined in accordance with XX CFR §XXXX.XX(a)(X) XX.XXX%, exceeds the Average Prime Offer Rate (X.XXX%) by more than X.X%; orThe loan is a subordinate-lien transaction, and the annual percentage rate (APR), as determined in accordance with XX CFR §XXXX.XX(a)(X) XX.XXX%, exceeds the Average Prime Offer Rate (X.XXX%) by more than X.X%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 475907 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458875 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491164 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458897 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 491187 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt History showing a cure for $XX.XX due to increase in appraisal fee and abstract fee. No need proof of delivery to bwr since cure was applied as PR. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal Fee increased from $XXX to $XXX, the Notary Fee increased from $X to $XX and the Abstract Fee increased from $X to $XXX from the XXXeline LE to the final CD without a written COC. Total violation is $XXX. Final CD reflects a $XXX.XX lender credit to cure amounts over X% tolerance, however an additional $XX.XX is due to borrower to cure remaining X% tolerance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD & Pymt History showing a cure for $XX.XX due to increase in appraisal fee and abstract fee. No need proof of delivery to bwr since cure was applied as PR. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491187 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt History showing a cure for $XX.XX due to increase in appraisal fee and abstract fee. No need proof of delivery to bwr since cure was applied as PR. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Appraisal Fee increased from $XXX to $XXX, the Notary Fee increased from $X to $XX and the Abstract Fee increased from $X to $XXX from the XXXeline LE to the final CD without a written COC. Total violation is $XXX. Final CD reflects a $XXX.XX lender credit to cure amounts over X% tolerance, however an additional $XX.XX is due to borrower to cure remaining X% tolerance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD & Pymt History showing a cure for $XX.XX due to increase in appraisal fee and abstract fee. No need proof of delivery to bwr since cure was applied as PR. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491187 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 491187 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 439649 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458881 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1152 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received RealQuest Property Detail showing Tax Exemption for Veteran status - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Looks like the property or borrower is exempted to pay property taxes due to bwr is a Veteran. Please see RealQuest property report attached. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Missing evidence of no Property Tax for subject property. Tax Cert provided is not completed and not executed by the settlement agent. No other documentation stating property taxes are not assessed on the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Looks like the property or borrower is exempted to pay property taxes due to bwr is a Veteran. Please see RealQuest property report attached. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received RealQuest Property Detail showing Tax Exemption for Veteran status - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475924 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 449844 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491178 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458879 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458871 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475965 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458890 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491158 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475967 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 519311 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3550 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the non-numeric clerical error and post-consummation revised closing disclosure delivery date test.( XX CFR §XXXX.XX(f)(X)(iv) )The post-consummation reason for redisclosure is "non-numeric clerical error" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Changes due to clerical errors. A creditor does not violate §XXXX.XX(f)(X)(i) if the disclosures provided under §XXXX.XX(f)(X)(i) contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than XX days after consummation. The final Post-Closing CD was issued on XX/XX/XXXX which is greater than XX days from consummation. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the non-numeric clerical error and post-consummation revised closing disclosure delivery date test.( XX CFR §XXXX.XX(f)(X)(iv) )The post-consummation reason for redisclosure is "non-numeric clerical error" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Changes due to clerical errors. A creditor does not violate §XXXX.XX(f)(X)(i) if the disclosures provided under §XXXX.XX(f)(X)(i) contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than XX days after consummation. The final Post-Closing CD was issued on XX/XX/XXXX which is greater than XX days from consummation. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 458893 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491202 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475900 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475958 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449839 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1118 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Borrower X Signature matches Note - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received DOT signed by the borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Signed copy attached. - Seller-XX/XX/XXXX Open-Borrower X Signature does not match Note Borrower did not execute Mortgage/Security Instrument. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Signed copy attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Signature matches Note - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received DOT signed by the borrower. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 450837 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475922 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449862 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475969 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475987 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1146 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - complete O&E provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see complete title report attached. - Seller-XX/XX/XXXX Open-Title Document is incomplete or only partially present O&E is missing page X of the report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see complete title report attached. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - complete O&E provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 458907 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450838 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475984 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458873 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449850 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458899 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475912 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497272 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1316 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - VOE provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached VOE which included 3rd party verification dated XX/XX/XXXX that is XX business days from closing date XX/XX. Please keep in mind that XXXember XX is not a business day since was a Veteran's Day. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing Missing Verbal Verification of Employment prior to close. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached VOE which included 3rd party verification dated XX/XX/XXXX that is XX business days from closing date XX/XX. Please keep in mind that XXXember XX is not a business day since was a Veteran's Day. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - VOE provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491196 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497273 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475913 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - the total X% variance was $XXX, which includes an increase to the Settlement Fee from $XXX to $XXX, an increase to the Transfer Tax from $X to $X and an increase to the Title Doc Prep Fee from $XX. The final CD reimbursed only $XX and therefore an additional $XX reimbursement is required to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review this exception one more time or escalate this discrepancy to your team lead? We don't have available the valid COC for the increase in the Deed Preparation fee for $XX.XX that is the main reason why we applied a Lender credit for $XX.XX, the second request for a proof of delivery of the cure the page # X of X, section J which is listed as a Lender Credit for $XX.XX so there is no proof of refund to bwr due to is a Lender credit. I apologize for stating on the previous msg that I submitted the PCCD. what I included was the final CD generated by funder when she/he realized that was no COC for the fee increased. Please see again final CD showing a lender credit. Thank you - Seller-XX/XX/XXXX Counter-Tolerance Violation is due to addition of Deed Preparation Fee of $XX from Loan Estimate to Initial and Final CD. Please provide verification borrower was provided an appropriate Change Circumstance form or proof of an additional $XX refunded to the borrower and PCCD reflecting the revision. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? final Closing disclosure is reflecting a Lender cure for the amount of $XX.XX which is more than enough to cure the increase in the settlement charges. Please see attached final CD - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Tolerance Violation is due to addition of Deed Preparation Fee of $XX from Loan Estimate to Initial and Final CD. Please provide verification borrower was provided an appropriate Change Circumstance form or proof of an additional $XX refunded to the borrower and PCCD reflecting the revision. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review this exception one more time or escalate this discrepancy to your team lead? We don't have available the valid COC for the increase in the Deed Preparation fee for $XX.XX that is the main reason why we applied a Lender credit for $XX.XX, the second request for a proof of delivery of the cure the page # X of X, section J which is listed as a Lender Credit for $XX.XX so there is no proof of refund to bwr due to is a Lender credit. I apologize for stating on the previous msg that I submitted the PCCD. what I included was the final CD generated by funder when she/he realized that was no COC for the fee increased. Please see again final CD showing a lender credit. Thank you - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? final Closing disclosure is reflecting a Lender cure for the amount of $XX.XX which is more than enough to cure the increase in the settlement charges. Please see attached final CD - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475913 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt History showing a cure for $XX.XX for increase in settlement charges. No need proof of delivery since cure was processed as PR. - Seller-XX/XX/XXXX Counter-XX/XX/XX - the total X% variance was $XXX, which includes an increase to the Settlement Fee from $XXX to $XXX, an increase to the Transfer Tax from $X to $X and an increase to the Title Doc Prep Fee from $XX. The final CD reimbursed only $XX and therefore an additional $XX reimbursement is required to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review this exception one more time or escalate this discrepancy to your team lead? We don't have available the valid COC for the increase in the Deed Preparation fee for $XX.XX that is the main reason why we applied a Lender credit for $XX.XX, the second request for a proof of delivery of the cure the page # X of X, section J which is listed as a Lender Credit for $XX.XX so there is no proof of refund to bwr due to is a Lender credit. I apologize for stating on the previous msg that I submitted the PCCD. what I included was the final CD generated by funder when she/he realized that was no COC for the fee increased. Please see again final CD showing a lender credit. Thank you - Seller-XX/XX/XXXX Counter-Tolerance Violation is due to addition of Deed Preparation Fee of $XX from Loan Estimate to Initial and Final CD. Please provide verification borrower was provided an appropriate Change Circumstance form or proof of an additional $XX refunded to the borrower and PCCD reflecting the revision. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please see PCCD attached reflecting a lender credit for $XX.XX enough to cure exceeding settlement charges due to preparation fee - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Tolerance Violation is due to addition of Deed Preparation Fee of $XX from Loan Estimate to Initial and Final CD. Please provide verification borrower was provided an appropriate Change Circumstance form or proof of an additional $XX refunded to the borrower and PCCD reflecting the revision. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD & Pymt History showing a cure for $XX.XX for increase in settlement charges. No need proof of delivery since cure was processed as PR. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review this exception one more time or escalate this discrepancy to your team lead? We don't have available the valid COC for the increase in the Deed Preparation fee for $XX.XX that is the main reason why we applied a Lender credit for $XX.XX, the second request for a proof of delivery of the cure the page # X of X, section J which is listed as a Lender Credit for $XX.XX so there is no proof of refund to bwr due to is a Lender credit. I apologize for stating on the previous msg that I submitted the PCCD. what I included was the final CD generated by funder when she/he realized that was no COC for the fee increased. Please see again final CD showing a lender credit. Thank you - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please see PCCD attached reflecting a lender credit for $XX.XX enough to cure exceeding settlement charges due to preparation fee - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475913 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 475913 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 458882 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449886 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458867 | XXXX | XXXX | B | A | A | A | B | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Patriot Act disclosure from both borrowers attached. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure for both borrowers. No Selleroto provided or other documentation provided to verify citizenship. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Patriot Act disclosure from both borrowers attached. - Seller-XX/XX/XXXX |
Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475952 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475956 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497274 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450839 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475929 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450840 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475920 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 458872 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475915 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503430 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1336 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Borrower X Award Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received revised XXXX, XXXX excluding addition retirement income of XXX.XXX/mo. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This income appears to be a data entry error and was intended to be the amount of grossed-up income for borrowerX's SSI. It was not intended to be entered twice. Attached are the corrected XXXX and XXXX with the additional income removed, new DTI is XX.XXX%. - Seller-XX/XX/XXXX Open-Borrower X Award Letter Missing Missing award letter or XXXX or proof of current receipt and continuance for pension/retirement income of $XXX.XXX/mo for David Kimball. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This income appears to be a data entry error and was intended to be the amount of grossed-up income for borrowerX's SSI. It was not intended to be entered twice. Attached are the corrected XXXX and XXXX with the additional income removed, new DTI is XX.XXX%. - Seller-XX/XX/XXXX |
Resolved-Borrower X Award Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received revised XXXX, XXXX excluding addition retirement income of XXX.XXX/mo. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 458888 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1294 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Income X Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received TI for REO verifying $XXX.XX monthly expense. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see proof of HOI and property taxes for property located at XXX Norris Rr which is borrower parents' property. - Seller-XX/XX/XXXX Open-Income X Months Income Verified is Missing Missing documentation that supports the amount of -XXX.XX for property located at XXX Norris, per the XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see proof of HOI and property taxes for property located at XXX Norris Rr which is borrower parents' property. - Seller-XX/XX/XXXX |
Resolved-Income X Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received TI for REO verifying $XXX.XX monthly expense. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 458902 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Rejected-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 491143 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458887 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475976 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475963 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475982 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL2477 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-XX/XX/XX - received corrected appraisal with picture of subject provided reflecting not listed for sale. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see update appraisal report attached showing correction on main picture of the report. - Seller-XX/XX/XXXX Open-Provide corrected Appraisal. The Selleroto of the property on the cover page of the appraisal report reflects it is for sale however the Selleroto does not match the property Selleroto for subject property on page XXX. The appraiser noted the property has not been listed for the past XX months. Properties for sale are ineligible. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see update appraisal report attached showing correction on main picture of the report. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received corrected appraisal with picture of subject provided reflecting not listed for sale. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475911 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475891 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458884 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450841 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450842 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475944 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491153 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491146 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491201 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL3825 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XXX X - XXX X, XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 497275 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 491151 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458877 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449877 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475928 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497276 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX and received XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see page # XXX for proof of delivery and pages #XXX to XXX for initial CD dated XX-XX. also see proof of delivery and again initial CD signed by borrower on XX/XX - Seller-XX/XX/XXXX Open-Missing the initial CD and evidence the borrower received the disclosure X days prior to consummation. Additional Findings XXX apply. The Initial CD in file Date Issued XX/XX/XXXX Closing Date XX/XX/XXXX Disbursement Date XX/XX/XXXX page XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see page # XXX for proof of delivery and pages #XXX to XXX for initial CD dated XX-XX. also see proof of delivery and again initial CD signed by borrower on XX/XX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX and received XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491148 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491156 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Investment | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475971 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475918 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491185 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Clear to Close Cert from XXX Title - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Clear to Close Certificate which is showing that was not issues open in the title report - Seller-XX/XX/XXXX Open-Property Title Issue - Public records search (pages XXX-XXX of original submission) reflects an open permit for work on natural gas line with most recent status XX/XX/XXXX indicating Final Inspection Failed. Please provide proof of completion. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Clear to Close Certificate which is showing that was not issues open in the title report - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Clear to Close Cert from XXX Title - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 491185 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and Pymt History attached showing a cure for $XXX.XX due to increase in transfer taxes. No need proof of delivery since cure was done as PR. - Seller-XX/XX/XXXX Open-The Transfer Tax increased from $XXXX to$XXXX.XX from the initial CD to Final CD and PCCD without a COC. Missing evidence the borrower was reimbursed $XXX.XX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). ***The Transfer Tax increased from $X,XXX to $X,XXX.XX from the XXXe LE to Final and PCCDs without a valid COC and the Deed Preparation Fee increased from $X to $XX from the XXXe LE to Final CD and PCCDs without a valid COC. Missing evidence the borrower was reimbursed $XXX.XX to cure the X% tolerance variance. *** - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and Pymt History attached showing a cure for $XXX.XX due to increase in transfer taxes. No need proof of delivery since cure was done as PR. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 491185 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-XX/XX/XX - received CD issued XX/XX/XXXX with COC and evidence of receipt - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see CD dated XX-XX-XX attached showing a COC, proof of delivery. Increased in recording fees was caused due to remove or add another person from title. No additional cure needs to be done to this file. - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). *** The Recording Fee increased from $XXX to $XXXX from the XXXeline LE to Final CD and PCCDs without a valid COC. Missing evidence the borrower was reimbursed $X,XXX.XX to cure the XX% tolerance variance. *** - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see CD dated XX-XX-XX attached showing a COC, proof of delivery. Increased in recording fees was caused due to remove or add another person from title. No additional cure needs to be done to this file. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received CD issued XX/XX/XXXX with COC and evidence of receipt - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 491185 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and Pymt History attached showing a cure for $XXX.XX due to increase in transfer taxes. No need proof of delivery since cure was done as PR. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The reimbursement of $XX is insufficient to cure the X% and XX% tolerance variance totaling $X,XXX.XX. Please provide additional reimbursement of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and Pymt History attached showing a cure for $XXX.XX due to increase in transfer taxes. No need proof of delivery since cure was done as PR. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 491185 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | FCRE6873 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XX - Drive Report received - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see initial Fraud report attached dated XX/XX/XXXX - Seller-XX/XX/XXXX Open-- Please provide proof originator correctly cleared Extended Fraud Alert on the credit report at the time of application. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see initial Fraud report attached dated XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Drive Report received - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 491185 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | |||||
| 491185 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | |||||
| 475948 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491188 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475945 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458896 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503460 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475895 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475916 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497278 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497279 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475889 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475983 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491152 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475953 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475923 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497280 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475899 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497281 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497282 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497283 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475914 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497284 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491204 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475988 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503447 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 491162 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3733 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Rescission Total of Payments Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID rescission total of payments test. ( XX CFR §XXXX.XX(g)(X)(ii) )The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than XX/X of X percent of the face amount of the note or $XXX, whichever is greater. - All of the CDs in file were unexecuted and revision being considered as the Final, issued XX/XX/XXXX, reflects a different Disbursement Date than PCCDs. Please provide a copy of Final CD signed by borrowers with accurate final fee and payment details to complete Compliance testing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 491162 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TILA finance charge test.( XX CFR §XXXX.XX(o)(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. Loan is under disclosed by $XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 491162 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-853 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX Open-This loan failed the TILA rescission finance charge test.( XX CFR §XXXX.XX(g)(X) , transferred from XX CFR §XXX.XX(g)(X) ) 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/X of X percent of the face amount of the note or $XXX, whichever is greater. Underdisclosed by $XXXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491162 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3732 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. Variance is $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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 491162 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3719 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX Open-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. All of the CDs in file were unexecuted and revision being considered as the Final, issued XX/XX/XXXX, reflects a different Disbursement Date than PCCDs. Please provide a copy of Final CD signed by borrowers with accurate final fee and payment details to complete Compliance testing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491162 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3720 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | TILA Post-Consummation Revised Closing Disclosure Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX Open-This loan failed the TILA rescission finance charge test. ( XX CFR §XXXX.XX(g)(X) , transferred from XX CFR §XXX.XX(g)(X) )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/X of X percent of the face amount of the note or $XXX, whichever is greater. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491162 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD - Seller-XX/XX/XXXX Open-Final CD provided is not signed by the borrower - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491181 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475978 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475903 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491207 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE7497 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX Open-Please provide evidence of HOA dues for REO property on XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 491207 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1438 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | ATR Risk | Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX Open-ATR Risk Lender did not validate HOA dues on REO property on XXX. Audit research on XXX shows HOA dues on REO of$XXXX/mo which increases DTI above maximum XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491207 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1568 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan is QM/ATR Non-compliant | Resolved-ATR: Documentation Supporting ATR Factors Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Update XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX Open-ATR: Documentation Supporting ATR Factors is Missing Lender did not document HOA on 2nd home. Property is in same city as subject and was purchased in Dec XXXX as new construction from a builder. Audit research on XXX shows HOA dues of$XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX |
Resolved-ATR: Documentation Supporting ATR Factors Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Update XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491207 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE0032 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements Lender did not document HOA on 2nd home. Property is in same city as subject and was purchased in Dec XXXX as new construction from a builder. XXX shows HOA dues of$XXXX. Including HOA dues increases DTI from XX.XX% to XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX |
Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491207 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX.XX% Lender did not document HOA on 2nd home. Property is in same city as subject and was purchased in Dec XXXX as new construction from a builder. XXX shows HOA dues of$XXXX. DTI did not include HOA for REO. Adding HOA increases DTI from XX.XX% to XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491207 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE9488 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-XX/XX/XX - received acceptable lender response. "LOE shouldn’t be required considering all income, HOI, credit profile supports borrower owns subject home as primary residence. Docs signed and checked by the borrower also confirms primary residence. Borrower qualifies with both payments." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see rebuttal response regarding the requested LOE. - Seller-XX/XX/XXXX Counter-XX/XX/XX/ - provide LOE for the occupancy discrepancy for the REO on XXX noted as a Second Home, however documentation suggests it is a Primary Residence, as is the subject property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Could you please kindly tell us what documents or information you do need in order to clear this exception? Thank you - Seller-XX/XX/XXXX Open-REO Property on XXX is reflected on XXXX as a "Second Home", however, it is in the same city as subject and was purchased in Dec XXXX as new construction from a builder. Financing was FHA @ XX% which requires Owner Occupancy. Fraud/Drive report reflects Owner Occupancy for both properties. XXXX also reflects that borrower's parents XXX have an interest in the Subject, however, they do not appear on the deed. 's - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see rebuttal response regarding the requested LOE. - Seller-XX/XX/XXXX Ready for Review-Could you please kindly tell us what documents or information you do need in order to clear this exception? Thank you - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received acceptable lender response. "LOE shouldn’t be required considering all income, HOI, credit profile supports borrower owns subject home as primary residence. Docs signed and checked by the borrower also confirms primary residence. Borrower qualifies with both payments." - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491207 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE0034 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Credit History and Liabilities Was Not Properly Considered | Resolved-ATR: Credit History and Liabilities Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX Open-ATR: Credit History and Liabilities Was Not Properly Considered Lender did not document HOA on 2nd home. Property is in same city as subject and was purchased in Dec XXXX as new construction from a builder. Audit research on XXX shows HOA dues of$XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX |
Resolved-ATR: Credit History and Liabilities Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475898 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491182 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503444 | XXXX | XXXX | C | A | C | A | B | A | N/A | N/A | Closed | FCRE3091 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Mater policy renewal dec page exp XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Update attached. - Seller-XX/XX/XXXX Open-Master Policy Expiration Date of XX-XX-XXXX is Prior To the Transaction Date of XX-XX-XXXX Missing Current Condo Master Dec Page that renewed on XX/XX/XXXX. Current Master Condo Dec Page is expired prior to transaction date XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Update attached. - Seller-XX/XX/XXXX |
Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Mater policy renewal dec page exp XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 503444 | XXXX | XXXX | C | A | C | A | B | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-XX/XX/XX - received Perm Res ID - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing Permanent Resident Alien Card. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received Perm Res ID - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 497285 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475954 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 497286 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475955 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497287 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491167 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491170 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475989 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 514105 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497288 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $X.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $X.XX due to increase in appraisal fee. No proof of delivery is required since cure was applied as PR. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal fee increased from$XXXX to $XXX from the XXXeline LE to the Final CD without a written COC. Missing evidence the borrower was reimbursed an additional $X.XX to cure the X% tolerance variance. A specific lender credit of $XX.XX was provided with the final CD rather than $XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $X.XX due to increase in appraisal fee. No proof of delivery is required since cure was applied as PR. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $X.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 497288 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $X.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $X.XX due to increase in appraisal fee. No proof of delivery is required since cure was applied as PR. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Appraisal fee increased from$XXXX to $XXX from the XXXeline LE to the Final CD without a written COC. Missing evidence the borrower was reimbursed an additional $X.XX to cure the X% tolerance variance. A specific lender credit of $XX.XX was provided with the final CD rather than $XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $X.XX due to increase in appraisal fee. No proof of delivery is required since cure was applied as PR. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $X.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475904 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497289 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491160 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491183 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475894 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491209 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491197 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497290 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497291 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475906 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491154 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503465 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491206 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491179 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475974 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497293 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1964 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-XX/XX/XX - received Bank Stmt Analysis - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see Bank Statement analysis attached - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Bank Statement Analysis / Income Calculation Worksheet for XXX, Inc. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please see Bank Statement analysis attached - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received Bank Stmt Analysis - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | HI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491205 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475991 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503453 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475949 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475897 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497294 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475968 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491161 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475977 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475990 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491192 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475985 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-47 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-XX/XX/XX - received seller attesting to include XXX as a business for ROR timing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX to XX/XX is three business days - XXX the XXth, XXX the XXth, XXX the XXth. XXX is included as a business day. - Seller-XX/XX/XXXX Open-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 XXX 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. The loan closed on XX/XX/XXXX and disbursed on XX/XX/XXXX, borrower was not provided X business days for right to cancel. The NORTC reflects a cancel date of XX/XX/XXXX, which is X business days. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-XX/XX to XX/XX is three business days - XXX the XXth, XXX the XXth, XXX the XXth. XXX is included as a business day. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received seller attesting to include XXX as a business for ROR timing - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 475985 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1640 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Closing | Mortgage/DOT notary acknowledgement is defective or incomplete | Resolved-XX/XX/XX - received DOT from origination signed and notarized XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXed on internal notes, it appears the XX/XX/XXXX versions were obtained because the original copies were not legible. Original attached. - Seller-XX/XX/XXXX Open-The Deed of Trust is notarized with a date of XX/XX/XXXX and the borrowers dated their signature on the DOT as XX/XX/XXXX. However, all other closing documents are hand dated XX/XX/XXXX and the closing date reflected on the Closing Disclosure is XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXed on internal notes, it appears the XX/XX/XXXX versions were obtained because the original copies were not legible. Original attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received DOT from origination signed and notarized XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475927 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491174 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491190 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491150 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475893 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497295 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491200 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475890 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497296 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3540 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( XX CFR §XXXX.XX(f)(X)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §XXXX.XX(f)(X)(ii), if the disclosures provided under §XXXX.XX(f)(X)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraSeller, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor XXX omit from inspection items related only to the seller's transaction. The revised CDs issued XX/XX/XXXX was received XX/XX/XXXX per the disclosure tracking history (pg XXX-XXX), which is after the consummation date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 497297 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491163 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503454 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491168 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475972 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 497298 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE4477 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Effective Date is After the Transaction Date | Resolved-Master Policy Effective Date of XX-XX-XXXX is Prior To or Equal To the Transaction Date of XX-XX-XXXX Or Master Policy Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received master policy effective XX/XX/XXXX-XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Master Policy for Condo Insurance - Seller-XX/XX/XXXX Open-Master Policy Effective Date of XX-XX-XXXX is After the Transaction Date of XX-XX-XXXX The commercial general liability and umbrella liability for the condo insurance policy in file is effective XX/XX/XXXX-XX/XX/XXX. Missing condo insurance policy effective at time of loan closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Master Policy for Condo Insurance - Seller-XX/XX/XXXX |
Resolved-Master Policy Effective Date of XX-XX-XXXX is Prior To or Equal To the Transaction Date of XX-XX-XXXX Or Master Policy Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received master policy effective XX/XX/XXXX-XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491194 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 507751 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE0019 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Residency Documentation is Missing | Resolved-XX/XX/XX - Perm Res ID provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing copy of Non-Permanent Resident card as required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Perm Res ID provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475992 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525038 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received executed final CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Correct signed CD attached. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received wrong executed CD. A CD for borrower, James Smith, and property in Hampton, GA provided in error, - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing the final CD executed by the borrower at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Correct signed CD attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed final CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491147 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475973 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497299 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497300 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475943 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475947 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 491189 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491173 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497301 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491176 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497302 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497303 | XXXX | XXXX | B | B | A | A | B | B | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Acknowledged-XX/XX/XXXX - received lender response: "Unable to Resolve" - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-Non Material accept EVX - Seller-XX/XX/XXXX Counter-XX/XX/XX - received duplicate signed, incomplete USA Patriot Act Info Forms with no ID info included. Please provide either a complete USA Act Info Form with ID info or the borrower IDs for both borrowers, no IDs were provided in the original image file. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XX - received duplicate signed, incomplete USA Patriot Act Info Forms with no ID info included. Please provide either a complete USA Act Info Form with ID info or the borrower IDs for both borrowers, no IDs were provided in the original image file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure USA Patriot Act Information Forms are in file pgs XX, XX. They are signed by the closing agent, but the ID information was not included. No IDs were provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Unable to Resolve-Unable to Resolve-Non Material accept EVX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - received lender response: "Unable to Resolve" - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | |||
| 497304 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received e-signed XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received e-signed XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475919 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491191 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497305 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491172 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475993 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1263 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received ROR executed by the borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached both NORTCs. - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided No executed ROR evidencing the borrower had X business days to rescind the refinance was provided in the image file. There is a ROR signed by the non-borrowing spouse. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached both NORTCs. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received ROR executed by the borrower - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475993 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Provide executed and notarized Name Affidavit for borrower(s). | Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Signature Affidavit executed by the borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Provide executed and notarized Name Affidavit There is only a Name Affidavit signed by the non-borrowing spouse. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Signature Affidavit executed by the borrower - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 491159 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497306 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Cure provided with PCCD - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-PCCD, LOE and payment history reflecting PR uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Transfers taxes increased from $XXX to $X,XXX.XX from the XXXeline LE to the final CD without a valid COC. The loan amount increased from $XXX,XXX to $XXX,XXX on XX/XX/XXXX, however the transfer taxes were not increased until the initial CD issued on XX/XX/XXXX. The final CD reflects an XXXX.XX lender credit to cure amount over tolerance, however the total amount over tolerance is $XXX.XX. Remaining amount due borrower is $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-PCCD, LOE and payment history reflecting PR uploaded. - Seller-XX/XX/XXXX |
Resolved-Cure provided with PCCD - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | ||||
| 497306 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD, LOE and payment history reflecting PR uploaded. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Transfers taxes increased from $XXX to $X,XXX.XX from the XXXeline LE to the final CD without a valid COC. The loan amount increased from $XXX,XXX to $XXX,XXX on XX/XX/XXXX, however the transfer taxes were not increased until the initial CD issued on XX/XX/XXXX. The final CD reflects an XXXX.XX lender credit to cure amount over tolerance, however the total amount over tolerance is $XXX.XX. Remaining amount due borrower is $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD, LOE and payment history reflecting PR uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 503423 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497307 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491169 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1568 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan is QM/ATR Non-compliant | Resolved-ATR: Documentation Supporting ATR Factors Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received lender response: "the printout from the IRS site showing that it was still due, but it also showed that there was a balance due for the XXXX, XXXX and XXXX. The UW did not consider this as rolling delinquencies for all tax years just that there were some balances for those X years. XXXX was for $XXX.XX, XXXX $XXXX.XX and XXXX for $XXX which are pretty minimal and there is not an IRS Lien/Judgment against the applicant’s. All of these were paid off at closing." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-the ATR or the ability to repay would have to be documented if they were under a payment agreement with being included in the DTI and history of on time payments. since the That is when they gave me the printout from the IRS site showing that it was still due, but it also showed that there was a balance due for the XXXX, XXXX and XXXX. The UW did not consider this as rolling delinquencies for all tax years just that there were some balances for those X years. XXXX was for $XXX.XX, XXXX $XXXX.XX and XXXX for $XXX which are pretty minimal and there is not an IRS Lien/Judgment against the applicant’s. All of these were paid off at closing - Seller-XX/XX/XXXX Open-ATR: Documentation Supporting ATR Factors is Missing Please provide UW analysis for rolling delinquencies for Federal Taxes with IRS. File documentation shows delinquencies form XXXX to XXXX. Paid at closing, however, no analysis of consideration for ATR purposes was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-the ATR or the ability to repay would have to be documented if they were under a payment agreement with being included in the DTI and history of on time payments. since the That is when they gave me the printout from the IRS site showing that it was still due, but it also showed that there was a balance due for the XXXX, XXXX and XXXX. The UW did not consider this as rolling delinquencies for all tax years just that there were some balances for those X years. XXXX was for $XXX.XX, XXXX $XXXX.XX and XXXX for $XXX which are pretty minimal and there is not an IRS Lien/Judgment against the applicant’s. All of these were paid off at closing - Seller-XX/XX/XXXX |
Resolved-ATR: Documentation Supporting ATR Factors Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received lender response: "the printout from the IRS site showing that it was still due, but it also showed that there was a balance due for the XXXX, XXXX and XXXX. The UW did not consider this as rolling delinquencies for all tax years just that there were some balances for those X years. XXXX was for $XXX.XX, XXXX $XXXX.XX and XXXX for $XXX which are pretty minimal and there is not an IRS Lien/Judgment against the applicant’s. All of these were paid off at closing." - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 503443 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE7551 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Divorce Decree | Resolved-XX/XX/XX - received lender response with updated XXXX, approval and XXXX removing alimony income, revised DTI at XX.XXX%: "The alimony appears to be an error as the file has no documentation or other commentary addressing it. It was not included on the initial application. Attached are updated docs removing the alimony." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The alimony appears to be an error as the file has no documentation or other commentary addressing it. It was not included on the initial application. Attached are updated docs removing the alimony. - Seller-XX/XX/XXXX Open-The Alimony income disclosed on the final XXXX was not verified. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The alimony appears to be an error as the file has no documentation or other commentary addressing it. It was not included on the initial application. Attached are updated docs removing the alimony. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received lender response with updated XXXX, approval and XXXX removing alimony income, revised DTI at XX.XXX%: "The alimony appears to be an error as the file has no documentation or other commentary addressing it. It was not included on the initial application. Attached are updated docs removing the alimony." - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 497308 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491186 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491193 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 507738 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-XX/XX/XX - PCA performed online WV tax records search and agrees to accept Berkeley County Sheriff's Tax Office print out of subject property taxes currently due as evidence of no other state tax liens outstanding for borrower X. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XX - received tax cert for Berkeley County showing property taxes for first half paid. Please provide evidence the State of WV tax lien for $X,XXX.XX does not belong to Borrower X or was paid in full. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Apologies, attached again. Page X is a comprehensive search for all outstanding tax debts associated with the subject property, showing the only amount due is $XXX.XX. Page X provides additional information on that payment, showing it is due XX/XX/XX and the first half of the assessment was already paid. - Seller-XX/XX/XXXX Counter-XX/XX/XX - no curative document uploaded - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The lien has been paid off, see attached records from county office confirming the next payment due XX/XX/XX is the only outstanding payment. - Seller-XX/XX/XXXX Open-Property Title Issue Title Report (pg XXX) reflects a State of West Virginia tax lien dated XX/XX/XX, in the amount of $X,XXX.XX, against SteSelleranie Wilson. No documentation provided reflecting it is not associated to borrower X and lien is not paid off on final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Apologies, attached again. Page X is a comprehensive search for all outstanding tax debts associated with the subject property, showing the only amount due is $XXX.XX. Page X provides additional information on that payment, showing it is due XX/XX/XX and the first half of the assessment was already paid. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. The lien has been paid off, see attached records from county office confirming the next payment due XX/XX/XX is the only outstanding payment. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - PCA performed online WV tax records search and agrees to accept Berkeley County Sheriff's Tax Office print out of subject property taxes currently due as evidence of no other state tax liens outstanding for borrower X. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 532582 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1360 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Paystubs Missing | Resolved-Borrower X Paystubs Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received borrowerX w2s, IRS w2 transcripts and personal tax returns along with Work Number verification. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Borrower's # X income and guidelines which stated that we XXX be able to calculate the income thru W-Xs, Written verification, personal tax returns. see attached documents which includes VOE, income calculator, W-Xs, Tax Returns and IRS transcripts - Seller-XX/XX/XXXX Counter-XX/XX/XX - received paystubs for borrowerX - still missing paystubs for borrowerX. A standalone WVOE is not acceptable per Client GLs. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per guidelines attached the most recent paystubs need to be less than XXX days old, oldest paystubs is dated from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX which is less than XXX days old, and they are still under guidelines. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Missing A written VOE was provided, however a written verification of employment as a standalone documentation is not acceptable. Missing paystubs covering most recent XX-day period - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Borrower's # X income and guidelines which stated that we XXX be able to calculate the income thru W-Xs, Written verification, personal tax returns. see attached documents which includes VOE, income calculator, W-Xs, Tax Returns and IRS transcripts - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Per guidelines attached the most recent paystubs need to be less than XXX days old, oldest paystubs is dated from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX which is less than XXX days old, and they are still under guidelines. - Seller-XX/XX/XXXX |
Resolved-Borrower X Paystubs Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received borrowerX w2s, IRS w2 transcripts and personal tax returns along with Work Number verification. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 497309 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497310 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491144 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Condominium) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Seller Condo Questionnaire provided, lender states subject is a condo versus PUD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review and/or escalate this exception to your team lead? Property is a Condominium project. please see attached documents. - Seller-XX/XX/XXXX Open-PUD Rider is Missing The senior lien DOT and Legal reflect property is a PUD not a Condo. The subject DOT was completed with a Condo Rider instead of PUD Rider. Please provide corrected DOT with PUD rider. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review and/or escalate this exception to your team lead? Property is a Condominium project. please see attached documents. - Seller-XX/XX/XXXX |
Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Condominium) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Seller Condo Questionnaire provided, lender states subject is a condo versus PUD. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 526976 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497311 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 519313 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497312 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503421 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497313 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no fire damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached no damage been reported - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached no damage been reported - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no fire damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 497314 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 526977 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1159 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-XX/XX/XX - received prior policy effective XX/XX/XXXX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see previous and current HOI policy attached. - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Loan disbursed on XX/XX/XX. Please provide prior HOI effective XX/XX/XXXX to XX/XX/XXXX to show no gap in coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see previous and current HOI policy attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received prior policy effective XX/XX/XXXX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 497315 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497316 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497317 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for the borrower and non-borrower spouse - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC attached for borrower and non bwr's spouse signed and dated by both. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing No executed ROR evidencing the borrower had X business days to rescind the refinance was provided in the image file. The ROR in file is for the non-borrowing spouse - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC attached for borrower and non bwr's spouse signed and dated by both. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for the borrower and non-borrower spouse - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 497318 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503461 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491184 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1265 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received ROR executed by the borrower and non-borrower spouse - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC signed and dated by both borrowers. - Seller-XX/XX/XXXX Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form Please provide ROR for non-borrower spouse - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC signed and dated by both borrowers. - Seller-XX/XX/XXXX |
Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received ROR executed by the borrower and non-borrower spouse - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491184 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD signed and dated by both borrowers. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure The final CD provided is not executed by the borrower and non-borrower spouse - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD signed and dated by both borrowers. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 503450 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received seller response, no final title provided to verify lien position: Seller: "This file is a HELOC which is not required a final title policy insurance also per Clear to Close Letter this uninsured 2nd mortgage Home Equity with not subordination. please see attached documents". - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This file is a HELOC which is not required a final title policy insurance also per Clear to Close Letter this uninsured 2nd mortgage Home Equity with not subordination. please see attached documents. - Seller-XX/XX/XXXX Open-Property Title Issue Please provide a final Title Policy reflecting the correct lien position for the subject loan dated XX/XX/XXXX. The loan file contains two Mortgage loans closed for the same borrower, subject property dated and same loan amount dated XX/XX/XXXX with a POA signed by spouse and the other dated XX/XX/XXXX signed by the Borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This file is a HELOC which is not required a final title policy insurance also per Clear to Close Letter this uninsured 2nd mortgage Home Equity with not subordination. please see attached documents. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received seller response, no final title provided to verify lien position: Seller: "This file is a HELOC which is not required a final title policy insurance also per Clear to Close Letter this uninsured 2nd mortgage Home Equity with not subordination. please see attached documents". - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475961 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491142 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD signed and signed by our borrower attached. - Seller-XX/XX/XXXX Open-Final CD provided is not signed by the borrower - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD signed and signed by our borrower attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 497319 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 503464 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475975 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497320 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503459 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491171 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497321 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491149 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503442 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491155 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514100 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491180 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519300 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503437 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Second Home | Refinance | Cash Out - Other | ||||||||||||||||||
| 519294 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491175 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received final CD signed by the borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD signed and dated by bwr - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing the final CD executed by the borrower at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD signed and dated by bwr - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received final CD signed by the borrower - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 526997 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507739 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XX - received an LOE from the borrower stating their home was far from the fire zone and provided pictures of the subject undamaged. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The borrower provided the attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The borrower provided the attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received an LOE from the borrower stating their home was far from the fire zone and provided pictures of the subject undamaged. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 525044 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503422 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503468 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507728 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503436 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503431 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503455 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503429 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503467 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503433 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 525031 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503466 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507752 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507729 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503456 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503446 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532577 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCRE1168 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-XX/XX/XX - received seller response, PCA agrees apply: "The coverage includes XX% Law and Ordinance Coverage, which DOES contribute towards rebuilding costs and should therefore be included in the coverage calculations." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The coverage includes XX% Law and Ordinance Coverage, which DOES contribute towards rebuilding costs and should therefore be included in the coverage calculations. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received seller response via email of incorrect reply/wrong loan - Finding re-opened - Due Diligence Vendor-XX/XX/XXXX Ready for Review-First mortgage balance is $XX,XXX.XX per VOM, subject mortgage is $XX,XXX, combined liens are $XXX,XXX.XX and dwelling coverage is $XXX,XXX. Coverage is sufficient. The policy shows additional other coverages, as well. - Seller-XX/XX/XXXX Open-Hazard policy reflects dwelling coverage that is less than the combined liens and cost to replace reflected on the appraisal. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The coverage includes XX% Law and Ordinance Coverage, which DOES contribute towards rebuilding costs and should therefore be included in the coverage calculations. - Seller-XX/XX/XXXX Ready for Review-First mortgage balance is $XX,XXX.XX per VOM, subject mortgage is $XX,XXX, combined liens are $XXX,XXX.XX and dwelling coverage is $XXX,XXX. Coverage is sufficient. The policy shows additional other coverages, as well. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received seller response, PCA agrees apply: "The coverage includes XX% Law and Ordinance Coverage, which DOES contribute towards rebuilding costs and should therefore be included in the coverage calculations." - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 532577 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for borrower and non-borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received seller response via email of incorrect reply/wrong loan - Finding re-opened - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached NORTC for borrower. Non-borrowing spouse was removed from title prior to transaction, borrower is the only individual on title. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing No executed ROR evidencing the borrower & non borrowing spouse had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Attached NORTC for borrower. Non-borrowing spouse was removed from title prior to transaction, borrower is the only individual on title. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for borrower and non-borrower - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 507730 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525046 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525033 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE0034 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Credit History and Liabilities Was Not Properly Considered | Resolved-XX/XX/XXXX- received borrower LOE stating REO was inherited in XXXX unimproved land and not sole owner, has no expenses associated with the property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see property taxes cert attached along with LOE from bwr explaining expenses from this vacant land. - Seller-XX/XX/XXXX Open-ATR: Credit History and Liabilities Was Not Properly Considered Missing documentation to verify taxes, hazard insurance for vacant land at XXXX Cedartown Molina FL - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see property taxes cert attached along with LOE from bwr explaining expenses from this vacant land. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX- received borrower LOE stating REO was inherited in XXXX unimproved land and not sole owner, has no expenses associated with the property. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 503451 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1623 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Final 1008 Uniform Underwriting and Transmittal Summary | Resolved-XX/XX/XX - received revised XXXX with subject lien and DTI of XX.XXX% and CLTV of XX.XXX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Please provide correct XXXX that reflects the subordinate financing as $XX,XXX and includes the subordinate subject loan payment with correct DTI an LTV/CLTV - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received revised XXXX with subject lien and DTI of XX.XXX% and CLTV of XX.XXX% - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615409 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507731 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3646 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | TRID Post-Consummation Event Validation Test | Acknowledged-XX/XX/XX - received lender's LOE: "This is the funder's reconciliation CD. It was delivered to the borrower through the same method as the consummation CD, as shown on page XXX of the binder, "Disclosure Tracking Details" PCA: The Disclosure Tracking Detail shows the PCCD was sent XX/XX/XX, which the same day as the consummation date. There is no further curative. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is the funder's reconciliation CD. It was delivered to the borrower through the same method as the consummation CD, as shown on page XXX of the binder, "Disclosure Tracking Details" - Seller-XX/XX/XXXX Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. PCCD is dated XX/XX/XX, loan closed on XX/XX/XXXX. Unable to determine whether the PCCD was provided to the borrower to include in testing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is the funder's reconciliation CD. It was delivered to the borrower through the same method as the consummation CD, as shown on page XXX of the binder, "Disclosure Tracking Details" - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XX - received lender's LOE: "This is the funder's reconciliation CD. It was delivered to the borrower through the same method as the consummation CD, as shown on page XXX of the binder, "Disclosure Tracking Details" PCA: The Disclosure Tracking Detail shows the PCCD was sent XX/XX/XX, which the same day as the consummation date. There is no further curative. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | ||||
| 503424 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503434 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503452 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503432 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503448 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503439 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525040 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525048 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received the PO statement showing $X owed with intent to close the account. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached payoff showing $X owed and borrower's request to close the account. - Seller-XX/XX/XXXX Open-Property Title Issue The CBR page XX shows Second Mortgage Home Equity Loan, Line of Credit dated XX/XX/XXXX with a $X.XX balance, however The Title in file is still showing as a lien on Page XXX. Please provide an updated Title showing the lien has been released and removed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached payoff showing $X owed and borrower's request to close the account. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received the PO statement showing $X owed with intent to close the account. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 507732 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503441 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 519301 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503457 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526971 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525028 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514115 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503449 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507740 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-XX/XX/XX - E&O provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached. - Seller-XX/XX/XXXX Open-Missing the E&O -Warranty Transaction Certificate - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - E&O provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 507733 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 552336 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503438 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526990 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507754 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1624 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Final Closing Disclosure compliance testing is incomplete. Additional Findings XXX apply upon receipt and review. | Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing executed copy of final CD. Used unexecuted copy (pg XXX) for preliminary compliance testing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 503462 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 519306 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCOM1232 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX received final XXXX esigned XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final XXXX executed uploaded. - Seller-XX/XX/XXXX Open-The Final XXXX is Missing The final signed XXXX was not signed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final XXXX executed uploaded. - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX received final XXXX esigned XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 526972 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525042 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519303 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507746 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 525045 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503458 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507734 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514108 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1316 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received VVOE for BX dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. VVOE uploaded. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing Missing VVOE prior to Close for BX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. VVOE uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received VVOE for BX dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 514108 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1347 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received VVOE for BX dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. VVOE BX uploaded. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing Missing VVOE prior to Close for BX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. VVOE BX uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received VVOE for BX dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 503419 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503445 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503463 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503440 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514101 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507747 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 526983 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 514111 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503426 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532589 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-XX/XX/XX - received executed PUD Rider - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing the executed PUD Rider prepared with the Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed PUD Rider - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 514118 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514116 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514104 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514109 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514121 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514110 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507735 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503427 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525037 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514099 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507741 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526989 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514122 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532596 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525039 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545233 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received HOI dec page with "Full Value Repl" - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Coverage includes Full Value Replacement, see attached. - Seller-XX/XX/XXXX Open-Provide evidence of Guaranteed Replacement Coverage. Hazard policy reflects dwelling coverage that is less than the combined liens and cost to replace reflected on the appraisal. No RCE from insurer was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Coverage includes Full Value Replacement, see attached. - Seller-XX/XX/XXXX |
Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received HOI dec page with "Full Value Repl" - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 571818 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507748 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514113 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552341 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519302 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514107 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526995 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526993 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507736 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 507753 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525035 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507745 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 519297 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM9564 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-XX/XX/XX - received executed ROR with transaction date of XX/XX/XX and expiration date of XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. NORTC uploaded. - Seller-XX/XX/XXXX Open-No executed ROR evidencing the borrower had X business days to rescind the refinance was provided in the image file. The ROR in file is dated XX/XX/XXXX with a cancel ate of XX/XX/XXXX and was signed by BX and Non-Borrower on XX/XX/XXXX. The loan was not closed until XX/XX/XXXX as verified by the Final Closing CD and Mortgage in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. NORTC uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed ROR with transaction date of XX/XX/XX and expiration date of XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 519310 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507749 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 519308 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507742 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514120 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507750 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519298 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507743 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507727 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526986 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507737 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545252 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532575 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525036 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519307 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519305 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532592 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545224 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525029 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514103 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514123 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526975 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532578 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-XX/XX/XX - received executed PUD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PUD rider attached. - Seller-XX/XX/XXXX Open-A PUD Rider was not attached with the subject mortgage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PUD rider attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed PUD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 514106 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525043 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514117 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514124 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514114 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514112 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532598 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532591 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received complete ICD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing page X of X for the Initial Closing Disclosure providing disclosed TOP, Fin Chg., APR and TIP - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received complete ICD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 532591 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCRE1115 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | A | A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received corrected and initialed notary acknowledgement - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Correction from notary attached. - Seller-XX/XX/XXXX Open-Security Instrument Date is greater than the transaction date of XX-XX-XXXX The Notary Acknowledgement is dated of XX/XX/XXXX rather than XX/XX/XXXX. Please provide a corrected Acknowledgement from the Notary. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Correction from notary attached. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received corrected and initialed notary acknowledgement - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 564530 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571819 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532587 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514102 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519309 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545216 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526998 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526996 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL1039 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Value | Appraised value unsupported | Resolved-XX/XX/XX - received complete desk review with value of $XXXk - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see a complete Desk Review & appraisal report attached. - Seller-XX/XX/XXXX Open-The Desk Review provided is missing the property valuation pages. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see a complete Desk Review & appraisal report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received complete desk review with value of $XXXk - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 525034 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO1136 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is XXXis (Primary Value) | Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Form XXX provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please clarify; XXXXD states "Fencing has been installed around the above ground pool and there are no safety issues." - Seller-XX/XX/XXXX Counter-No curative provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Completion report attached. - Seller-XX/XX/XXXX Open-Primary Value Subject Property Appraisal is not on an As-Is XXXis The report is "subject to" due to the pool damage from hurricane Helene. A final inspection was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please clarify; XXXXD states "Fencing has been installed around the above ground pool and there are no safety issues." - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Completion report attached. - Seller-XX/XX/XXXX |
Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Form XXX provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 545249 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519304 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM2340 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | CD: General Form Requirements Not Met | Resolved-XX/XX/XX - received signed Final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Consummation closing disclosure uploaded. - Seller-XX/XX/XXXX Open-CD: General Form Requirements Not Met Please provide the final CD signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Consummation closing disclosure uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received signed Final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 564531 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519295 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526984 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519296 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552343 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525041 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532584 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545221 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL2477 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-XX/XX/XX - complete appraisal provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see complete appraisal report attached. - Seller-XX/XX/XXXX Open-Missing page X of Appraisal - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see complete appraisal report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - complete appraisal provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 526982 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526981 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received complete ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete XX/XX CD attached, including pg X. - Seller-XX/XX/XXXX Counter-XX/XX/XX - curative not provided. Still missing page X of the initial CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached all CDs and tracking information. - Seller-XX/XX/XXXX Open-Missing page X of the Initial CD stating the Loan Calculations & Other Disclosures dated XX/XX/XXXX. Additional findings XXX apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Complete XX/XX CD attached, including pg X. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Attached all CDs and tracking information. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received complete ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 545225 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526992 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545212 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532588 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526991 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525027 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532595 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526988 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532599 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587856 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519299 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581586 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545236 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526978 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652264 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545232 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525047 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE0034 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Credit History and Liabilities Was Not Properly Considered | Resolved-ATR: Credit History and Liabilities Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - supporting REO free and clear/T&I docs provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached tax certs and LOE from borrower confirming no homeowner insurance or home located on either property. No evidence of any mortgages. - Seller-XX/XX/XXXX Open-ATR: Credit History and Liabilities Was Not Properly Considered Missing documentation for REOs located at XXXX Main St and XXXX XXX to support properties are free and clear and proof of taxes and insurance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached tax certs and LOE from borrower confirming no homeowner insurance or home located on either property. No evidence of any mortgages. - Seller-XX/XX/XXXX |
Resolved-ATR: Credit History and Liabilities Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - supporting REO free and clear/T&I docs provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 525032 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564532 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received COC dated XX/XX/XX for increase to appraisal fee - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal Fee was disclosed on the initial and revised LEs as $XXX, however the the Appraisal Fee was reduced to $XXX on the initial CD, then then an additional Appraisal Fee was added on the revised CD issued XX/XX/XX without a valid COC. The reimbursement provided on the PCCD issued XX/XX/XX as a principal reduction is insufficient to cure to X% tolerance variance. Missing evidence the borrower was reimbursed an additional $XXX to cure the tolerance failure. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC dated XX/XX/XX for increase to appraisal fee - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 564532 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received COC dated XX/XX/XX for increase to appraisal fee - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review kindly one more time this exception? The original appraisal report came back with an unexpected value, then we submitted a new request for a 2nd appraisal report to make sure that property XXX reflect the correct fair value. the second appraisal report was signed and received on XX/XX/XXXX then a CD was generated no more than X business days after we received 2nd appraisal report. Please see attached documents which includes CD dated XX/XX/XX, valid COC, proof of delivery, original appraisal report dated XX/XX/XXXX and invoice. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Appraisal Fee was disclosed on the initial and revised LEs as $XXX, however the the Appraisal Fee was reduced to $XXX on the initial CD, then then an additional Appraisal Fee was added on the revised CD issued XX/XX/XX without a valid COC. The reimbursement provided on the PCCD issued XX/XX/XX as a principal reduction is insufficient to cure to X% tolerance variance. Missing evidence the borrower was reimbursed an additional $XXX to cure the tolerance failure. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review kindly one more time this exception? The original appraisal report came back with an unexpected value, then we submitted a new request for a 2nd appraisal report to make sure that property XXX reflect the correct fair value. the second appraisal report was signed and received on XX/XX/XXXX then a CD was generated no more than X business days after we received 2nd appraisal report. Please see attached documents which includes CD dated XX/XX/XX, valid COC, proof of delivery, original appraisal report dated XX/XX/XXXX and invoice. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC dated XX/XX/XX for increase to appraisal fee - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 571820 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526999 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564533 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552340 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545239 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526973 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545234 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571821 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525030 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526979 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552339 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526987 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532594 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526980 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545253 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545227 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594916 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526985 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615411 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 532581 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532579 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564534 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526974 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532583 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532576 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526994 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552342 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1220 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed DOT and PUD Rider - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see correct DOT and PUD rider attached. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing the Deed of Trust, loan terms were gleaned from the Note and Final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see correct DOT and PUD rider attached. - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed DOT and PUD Rider - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 552342 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-XX/XX/XX - received executed DOT and PUD Rider - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see correct DOT and PUD rider attached. - Seller-XX/XX/XXXX Open-A PUD Rider was not prepared with the subject mortgage however the senior mortgage shows the subject is part of a PUD and the XXXX reflects monthly HOA payments. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see correct DOT and PUD rider attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed DOT and PUD Rider - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 532585 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545240 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545243 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1263 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for borrower X - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC from both borrowers attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided No executed ROR evidencing that borrower X had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC from both borrowers attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for borrower X - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 552347 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FPRO0001 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Property | HOA General | Resolved-XX/XX/XX - received Limited Review Condo Questionnaire attesting project meets requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Questionnaire Condominium attached which would consider a proof of warrantable Condo. or please kindly advise what other documents would be required to clear exception. - Seller-XX/XX/XXXX Open-The Condo Association is in Litigation against the developer for improvement and repair issues per letter from Attorney page XXX and court documents in file. Missing documents that Condo is warrantable. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Questionnaire Condominium attached which would consider a proof of warrantable Condo. or please kindly advise what other documents would be required to clear exception. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received Limited Review Condo Questionnaire attesting project meets requirements - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 545215 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571822 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552338 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564535 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE7569 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Debt | Mortgage history for primary residence less than 12 months | Resolved-XX/XX/XX - received FCD for primary reflecting PITIA at $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached CD for primary residence, escrow included. - Seller-XX/XX/XXXX Open-Missing mortgage documentation for the primary new residence to confirm PITIA. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached CD for primary residence, escrow included. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received FCD for primary reflecting PITIA at $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 532597 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557011 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552337 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545245 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545246 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552345 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571823 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545241 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608032 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571824 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532574 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545218 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564536 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545217 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545231 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545214 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594917 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564537 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545242 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564538 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571825 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed XXXX-c for both borrowers - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-C executed at application and closing for BorrowerX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed XXXX-c for both borrowers - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 571825 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed XXXX-c for both borrowers - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-C executed at application and closing for BorrowerX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed XXXX-c for both borrowers - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 557015 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 545250 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557005 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545251 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552344 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545248 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552335 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545226 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545223 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545237 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532586 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557013 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564539 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602625 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545228 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594918 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1118 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Borrower X Signature matches Note - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received complete copy of DOT with required signatures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Borrower X Signature does not match Note The borrower's signature and notary page are missing from the Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Signature matches Note - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received complete copy of DOT with required signatures. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 594918 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1030 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received privacy policy disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CA loan - Seller-XX/XX/XXXX Open-Missing the Federal Privacy Notice - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. CA loan - Seller-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received privacy policy disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 545220 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557010 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-47 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-XX/XX/XX - received revised RORs and re-opened rescission to expire XX/XX/XX, executed XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see a new NORTC attached, signed and dated by both bwrs, proof of delivery and letter - Seller-XX/XX/XXXX Open-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 XXX 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. The subject loan disbursement date is XX/XX/XXXX. The Note is dated XX/XX/XXXX however the Security Instrument was not signed and notarized until XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see a new NORTC attached, signed and dated by both bwrs, proof of delivery and letter - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received revised RORs and re-opened rescission to expire XX/XX/XX, executed XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 571826 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1232 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received final XXXX e-signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. signed copy attached - Seller-XX/XX/XXXX Open-The Final XXXX is Missing Missing the executed Final XXXX, none was provided in the image file, some data gleaned from either the initial XXXX or other credit documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. signed copy attached - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received final XXXX e-signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 571826 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing Missing the executed ROR evidencing the borrower had X business days to rescind the refinance transaction. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX |
The executed RTC was not provided for both borrowers. | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||
| 545247 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630495 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557022 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557012 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564540 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581587 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 545238 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587858 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564541 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564542 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557017 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557007 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564543 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594919 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Second Home | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 545219 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557019 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557009 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564544 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 545222 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564545 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564546 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 545230 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564547 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 545235 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545229 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557021 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594920 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581588 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571827 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587859 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 602626 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557008 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564548 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 564549 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCRE1620 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-XX/XX/XX - received wet signed initial LE, revised LE, initial CD and final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The disclosures were wet-signed by the borrowers, please see the attached email with details. - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. No e-sign agreement is provided in the image file. The Disclosure Tracking Summary (pg XXX) and Disclosure Tracking Details (pg XXX) reflect the initial CD was sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The disclosures were wet-signed by the borrowers, please see the attached email with details. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received wet signed initial LE, revised LE, initial CD and final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 564549 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received ICD dated XX/XX/XX, per Seller, sent XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached is a copy of the CD sent XX/XX per internal disclosure tracking. This CD shows the issue date as XX/XX, but internal tracking lists the date as XX/XX. This is the same document indicated in the Disclosure Tracking Summary referenced. - Seller-XX/XX/XXXX Open-Missing the revised CD issued on XX/XX/XX and received by the borrowers on XX/XX/XX, per the Disclosure Tracking Summary (pg XXX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached is a copy of the CD sent XX/XX per internal disclosure tracking. This CD shows the issue date as XX/XX, but internal tracking lists the date as XX/XX. This is the same document indicated in the Disclosure Tracking Summary referenced. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD dated XX/XX/XX, per Seller, sent XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 564550 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 545213 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571828 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608021 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571829 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557016 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545244 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564551 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564552 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594921 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557004 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594922 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557024 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 564553 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564554 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 571830 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587860 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581589 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 564555 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564556 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1232 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received final e-signed XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see final XXXX attached signed and dated by both borrowers. - Seller-XX/XX/XXXX Open-The Final XXXX is Missing The executed Final XXXX was not provided in the image file, some data gleaned from either the initial XXXX or other credit documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see final XXXX attached signed and dated by both borrowers. - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received final e-signed XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 571831 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564557 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564558 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557014 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557020 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564559 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564560 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 587861 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 587862 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594923 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602627 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571832 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564561 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615430 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587863 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 564562 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587864 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564563 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564564 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557023 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608033 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557006 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615402 | XXXX | XXXX | C | A | B | A | C | A | N/A | N/A | Closed | FCRE1183 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-XX/XX/XXXX - received amended XXXX with correct senior P&I - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see an update XXXX showing corrections on the Senior lien P&I amount. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The XXXX P&I payment for the senior loan does not match the Note or VOM. The senior P&I payment reflected on the XXXX is $X,XXX.XX vs the origination Note which reflects the payment as $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see an update XXXX showing corrections on the Senior lien P&I amount. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received amended XXXX with correct senior P&I - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 594924 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571833 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587865 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581590 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564565 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630496 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594925 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557018 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571834 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571835 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571836 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571837 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581591 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 571838 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 564566 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571839 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594926 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 571840 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630497 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-Resolved - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 630497 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-Resolved - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 602628 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587866 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581592 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 581593 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 571841 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594927 | XXXX | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1183 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received corrected XXXX and XXXX along with documentation supporting MI and escrow shortage amounts. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur regarding 1st mtg payment, updates attached. The $XX.XX other payment is the sum of the monthly MI of $XX.XX (on VOM) and the escrow shortage ($XXX.XX / XX = $XX.XX, documented on the attached) - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The XXXX reflects the 1st mortgage payment incorrectly as $XXX.XX. The P&I payment per the VOR is $XXX.XX. The XXXX has an "other payment" for $XX.XX which wasn't verified in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur regarding 1st mtg payment, updates attached. The $XX.XX other payment is the sum of the monthly MI of $XX.XX (on VOM) and the escrow shortage ($XXX.XX / XX = $XX.XX, documented on the attached) - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received corrected XXXX and XXXX along with documentation supporting MI and escrow shortage amounts. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 581594 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 587867 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 594928 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594929 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571842 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581595 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE7009 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-XX/XX/XX - received evidence of replacement cost coverage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The policy does include XXX% replacement cost, see attached policy and email from insurer confirming this coverage. - Seller-XX/XX/XXXX Open-Hazard policy reflects dwelling coverage is less than the total the combined liens and no cost to re-build was provided or extended replacement cost coverage reflected on the policy. Combined loan amount is $XXX,XXX and coverage per insurance policy is $XXXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The policy does include XXX% replacement cost, see attached policy and email from insurer confirming this coverage. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received evidence of replacement cost coverage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 608026 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594930 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 594931 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 615437 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630498 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571843 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615401 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594932 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1494 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Qualifying Payment Not Properly Considered | Resolved-XX/XX/XX - received seller response stating XXXX commentary explains the Other payment is escrow shortage and USDA fee for 1st mortgage. Supporting docs provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached, XXXX commentary explains the Other payment is escrow shortage and USDA fee for 1st mortgage. Docs attached. - Seller-XX/XX/XXXX Open-ATR: Subject PITIA Not Considered - Please provide clear breakdown for Other amount of $XXX.XX included in PITIA for subject on the XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached, XXXX commentary explains the Other payment is escrow shortage and USDA fee for 1st mortgage. Docs attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received seller response stating XXXX commentary explains the Other payment is escrow shortage and USDA fee for 1st mortgage. Supporting docs provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 602629 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581596 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 581597 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 587868 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581598 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 581599 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 587869 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 608022 | XXXX | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1030 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 581600 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667395 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615438 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received title's Clear to Close - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The Clear To Close Certificate shows no further information was required regarding the judgement, indicating the matter was resolved prior to closing. - Seller-XX/XX/XXXX Open-Property Title Issue The Judgment reflected on the Title Search was not paid off prior to or at closing. Title item #X for $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The Clear To Close Certificate shows no further information was required regarding the judgement, indicating the matter was resolved prior to closing. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received title's Clear to Close - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615439 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571844 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571845 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608030 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594933 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 587870 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615435 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587871 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 594934 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615440 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615416 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581601 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608020 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Completed cure attached. - Seller-XX/XX/XXXX Open-The COC for increase to Points is dated XX/XX/XX however the revised LE was issued XX/XX/XX This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). A revised LE issued XX/XX/XXXX shows the Points increased from $XXX.XX to $X,XXX.XX, however no valid, written COC was provided in the image file. The COC dated XX/XX/XXXX was provided to the borrower four days after the change of circumstance, including XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Completed cure attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 608020 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3529 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Completed cure uploaded. - Seller-XX/XX/XXXX Open-The COC for increase to Points is dated XX/XX/XX however the revised LE was issued XX/XX/XX This loan failed the revised loan estimate delivery date and changed circumstances date test. ( XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX CFR §XXXX.XX(e)(X)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count XXXed on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. A revised LE issued XX/XX/XXXX shows the Points increased from $XXX.XX to $X,XXX.XX, however no valid, written COC was provided in the image file. The COC dated XX/XX/XXXX was provided to the borrower four days after the change of circumstance, including XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Completed cure uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405576 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405571 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435694 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached no damage been reported - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection for Helene on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached no damage been reported - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 411371 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FVAL3825 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-XX/XX/XXXX – received reinspection report dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-Inspection Report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX & EM-XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-Inspection Report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received reinspection report dated XX/XX/XXXX reflecting no damage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 411371 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1159 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-XX/XX/XXXX - received prior policy effective XX/XX/XX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Previous HOI policy attached from XX/XXXX to XX/XXXX - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX , loan disbursed on X-XX-XXXX. Provide prior policy for continuance of coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Previous HOI policy attached from XX/XXXX to XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received prior policy effective XX/XX/XX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 411371 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received doc image report prepared for title co listing first lien. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Title report showing 1st lien amount as open mortgage - Seller-XX/XX/XXXX Open-Property Title Issue The 1st Mortgage details are not listed on the Title Search. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Title report showing 1st lien amount as open mortgage - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received doc image report prepared for title co listing first lien. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 415252 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424809 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411367 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received insurance RCE of $XXXX,XXX and policy effective XX/XX/XXXX with coverage of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the replacement Cost Estimator attached. - Seller-XX/XX/XXXX Open-Provide evidence of Guaranteed Replacement Coverage. Hazard policy reflects dwelling coverage that is less than the combined liens and cost to replace reflected on the appraisal. Guaranteed replacement coverage not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the replacement Cost Estimator attached. - Seller-XX/XX/XXXX |
Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received insurance RCE of $XXXX,XXX and policy effective XX/XX/XXXX with coverage of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 411367 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XXXXXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 415286 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435708 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received updated credit report showing paid accounts post close. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The stated purpose of the subject loan was to pay off debts. Seller obtained the attached updated credit report to confirm the borrower did truly pay off debts with the loan proceeds, and the ratios that would result from the attached total liabilities would be XX.XX% / XX.XX%. - Seller-XX/XX/XXXX Open-The calculated DTI XXXed on verified income and debts used to qualify by lender is XX.XX%, which exceeds the guidelines max DTI of XX.XX%. The XXXX provided states DTI of XX.XXX% with total income of $XX,XXX.XX and total dent of $X,XXX.XX, which = DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The stated purpose of the subject loan was to pay off debts. Seller obtained the attached updated credit report to confirm the borrower did truly pay off debts with the loan proceeds, and the ratios that would result from the attached total liabilities would be XX.XX% / XX.XX%. - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received updated credit report showing paid accounts post close. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435666 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XX-XXXX-XX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 411387 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 405580 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415267 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424827 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 439678 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM3957 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-XX/XX/XXXX - received initial LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see initial LE attached. - Seller-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Disclosure Tracking Log (pg XXX) reflects initial LE was issued on XX/XX/XXXX and received by borrower on XX/XX/XXXX. Compliance is incomplete. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see initial LE attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received initial LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 439678 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Cure with final CD - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Cure with final CD - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||||
| 435677 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415285 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415269 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 415275 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 405577 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411390 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 415246 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 415246 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XXXX - received CD signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX Open-Missing the executed Final CD compliance testing is incomplete. Additional Findings XXX apply upon receipt and review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received CD signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435662 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing Missing the executed ROR evidencing the borrower had X business days to rescind the refinance transaction. Final CD was executed by borrower on XX/XX/XXXX, however Security Instrument, while dated XX/XX/XXXX, was executed by borrower on XX/XX/XXXX and also notarized on XX/XX/XXXX. PCCD (pg XXX), issued on XX/XX/XXXX, reflects disbursement date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435662 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Provide executed and notarized Name Affidavit for borrower(s). | Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Name Affidavit - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Provide executed and notarized Name Affidavit Missing executed and notarized Name Affidavit. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Name Affidavit - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424844 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435663 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-- Per FEMA Disaster Declaration #XXXX and #XXXX, subject's county was impacted on XX/XX/XXXX and XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 424801 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 424840 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411439 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424794 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 415299 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 415270 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424780 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 405569 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415253 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435697 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435699 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424829 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424776 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 411438 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435705 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435705 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 449853 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 424831 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424768 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424817 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 402096 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435676 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 415245 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 424824 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435661 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached no damage been reported - Seller-XX/XX/XXXX Open-- Appraiser last viewed the subject property XX/XX/XXXX for XXXXD, however as listed on FEMA site, subject county has been declared as a disaster area twice since that time. #XXXX was declared on XX/XX/XXXX and #XXXX on XX/XX/XXXX (incident date of XX/XX/XXXX). Please provide acceptable reinspection confirming no damage or ongoing ancillary impact from these events. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached no damage been reported - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435661 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE7497 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-XX/XX/XXXX - received VOM with PITIA - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see verification of mortgage reflecting escrow accts for investment properties. - Seller-XX/XX/XXXX Open-- Please provide verification of HOA Dues for borrower's primary residence and second investment property held. Additionally, please provide evidence mortgage payment on the primary includes escrows for taxes and insurance or these amounts must be validated and included as well. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see verification of mortgage reflecting escrow accts for investment properties. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received VOM with PITIA - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435661 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1345 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Borrower X Lease Agreements Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Most recent returns used for rental income - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please guidelines attached related to the lease agreement requested or missing. Per guidelines rental lease agreement are not required since we have the most recent tax return for the income calculation. - Seller-XX/XX/XXXX Open-Borrower X Lease Agreements Missing - Please provide a copy of current lease agreements for the subject to ensure no issue with respect to lien position and to validate income is ongoing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please guidelines attached related to the lease agreement requested or missing. Per guidelines rental lease agreement are not required since we have the most recent tax return for the income calculation. - Seller-XX/XX/XXXX |
Resolved-Borrower X Lease Agreements Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Most recent returns used for rental income - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435661 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-Most recent return used - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Could you please review this exception? Since the previous exceptions for missing lease agreements and missing personal tax returns were cleared, The UW used paystubs, cash flow analysis and rental income worksheet to calculated bwr's income and appears that DTI is XX.XXX% - Seller-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX.XX% - Discrepancy appears to be due to lender using only a XX month average of borrower's Schedule C loss for XXXX, however XXXX transcripts in file reflect a higher loss and thus a XX month average is required, which is -$X,XXXX/mo vs. -$XXXX.XX as indicated on XXXX. Please provide an Approved Investor Exception or documentation supporting exclusion of this loss. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Could you please review this exception? Since the previous exceptions for missing lease agreements and missing personal tax returns were cleared, The UW used paystubs, cash flow analysis and rental income worksheet to calculated bwr's income and appears that DTI is XX.XXX% - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-Most recent return used - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 435664 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 415293 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435684 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415279 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 415249 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415248 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424800 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 415289 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 449860 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449858 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435716 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435670 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424763 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458901 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 411412 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475925 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439629 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415262 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424805 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435709 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435687 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450818 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449872 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475942 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439669 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439644 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 415280 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424808 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424828 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435723 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435700 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 435700 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-XX/XX/XXXX - received COC dated XX/XX/XXXX with CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see CD dated XX/XX, COC, proof of delivery and Lock Rate attached. Changes on the settlement charges (Recording fees) were caused by a relock/lock extension/ rate lock due change on property type. from single family to PUD. - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges (XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). Recording Fees increased from XXX to $XXX from the XXXeline LE to the Final CD without a written COC. Missing evidence the borrower was reimbursed $XXX.XXX to cure the XX% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see CD dated XX/XX, COC, proof of delivery and Lock Rate attached. Changes on the settlement charges (Recording fees) were caused by a relock/lock extension/ rate lock due change on property type. from single family to PUD. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received COC dated XX/XX/XXXX with CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435700 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - received COC dated XX/XX/XXXX with CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached. Consummation occurred on XX/XX/XXXX - Seller-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached. Consummation occurred on XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received COC dated XX/XX/XXXX with CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435700 | XXXX | XXXX | C | B | B | B | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX - received COC dated XX/XX/XXXX with CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached. Consummation date XX/XX/XXXX - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached. Consummation date XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received COC dated XX/XX/XXXX with CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 424816 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439661 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424811 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439655 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424777 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449864 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 435682 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435693 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475962 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE5782 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-XX/XX/XX - Client waiver provided, no derogatory or new debt noted. Seller exception waiver provided with Compensating Factors are as followed: X. Residual income greater than XXX.XX; X. Low housing ratio; X. Prior homeownership experience (No FC or Short Sale); X. Low default risk with substantial equity, LTV XX% lower than matrix - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Mark has approved an exception, per his request, uploading a new credit report soft pull. There is no new significant debt nor is there any new derogatory items. - Seller-XX/XX/XXXX Open-Missing gap credit report. Initial credit (pg XX) was pulled XX/XX/XXXX. Gap credit required as initial credit older than XX days as of Note (pg X) date of XX/XX/XXXX. When the credit report will be more than XX days old as of the Mortgage Note date, a credit soft pull must be obtained within XX calendar days of the Mortgage Note date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Mark has approved an exception, per his request, uploading a new credit report soft pull. There is no new significant debt nor is there any new derogatory items. - Seller-XX/XX/XXXX |
Waived-XX/XX/XX - Client waiver provided, no derogatory or new debt noted. Seller exception waiver provided with Compensating Factors are as followed: X. Residual income greater than XXX.XX; X. Low housing ratio; X. Prior homeownership experience (No FC or Short Sale); X. Low default risk with substantial equity, LTV XX% lower than matrix - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||
| 475962 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE5783 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-XX/XX/XX - Client waiver provided, no derogatory or new debt noted. Seller exception waiver provided with Compensating Factors are as followed: X. Residual income greater than XXX.XX; X. Low housing ratio; X. Prior homeownership experience (No FC or Short Sale); X. Low default risk with substantial equity, LTV XX% lower than matrix - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Mark has approved an exception, per his request, uploading a new credit report soft pull. There is no new significant debt nor is there any new derogatory items. - Seller-XX/XX/XXXX Open-Missing gap credit report. Initial credit (pg XX) was pulled XX/XX/XXXX. Gap credit required as initial credit older than XX days as of Note (pg X) date of XX/XX/XXXX. When the credit report will be more than XX days old as of the Mortgage Note date, a credit soft pull must be obtained within XX calendar days of the Mortgage Note date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Mark has approved an exception, per his request, uploading a new credit report soft pull. There is no new significant debt nor is there any new derogatory items. - Seller-XX/XX/XXXX |
Waived-XX/XX/XX - Client waiver provided, no derogatory or new debt noted. Seller exception waiver provided with Compensating Factors are as followed: X. Residual income greater than XXX.XX; X. Low housing ratio; X. Prior homeownership experience (No FC or Short Sale); X. Low default risk with substantial equity, LTV XX% lower than matrix - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||
| 475962 | XXXX | XXXX | D | B | D | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 449869 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 435683 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424770 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424771 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435724 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435724 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435724 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report datedXX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - no attachment provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Plese see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX and #XXXX, impacted on XX/XX/XXXX after appraisal inspection on XXXXXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached - Seller-XX/XX/XXXX Ready for Review-Plese see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report datedXX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424833 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424835 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450819 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | |||||
| 450819 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | FCRE1145 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received final short form policy - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see final Title report and additional title documents attached. - Seller-XX/XX/XXXX Open-Guidelines require a full ALTA title report for loan amounts exceeding$XXXX,XXX. Loan amount is $XXX,XXX but only a Owner & Encumbrance title report was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see final Title report and additional title documents attached. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received final short form policy - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 450819 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received COC dated XX/XX/XXXXfor increase to Fee for 2nd Appraisal and increase to settlement charges. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time these two-cure requested due to increase in Appraisal fee and settlement charges? We submitted and received a 2nd appraisal report or review fee on XXX XXth which is between X business days of the CD dated XX/XX/XXXX which is showing an increased in the appraisal report. Please a valid COC, proof of delivery and CD dated XX/XX/XXXX. in regards the increase in settlement charges please see the PCCD page # X of X under section J which is showing a lender credit for the amount of $XXX.XX which is the same increase in the settlement charges. additionally, the Post closer agent added another cure for $XXX.XX which is more than enough to cover the increase in settlement charges. please see attached documents - Seller-XX/XX/XXXX Open-The Appraisal Fee increased from $XXX to $XXX and the Title-Settlement fee increased from $XXX to XXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. The lender provided a $XXX tolerance cure on the PCCD, which was not sufficient to remedy the tolerance violation. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review one more time these two-cure requested due to increase in Appraisal fee and settlement charges? We submitted and received a 2nd appraisal report or review fee on XXX XXth which is between X business days of the CD dated XX/XX/XXXX which is showing an increased in the appraisal report. Please a valid COC, proof of delivery and CD dated XX/XX/XXXX. in regards the increase in settlement charges please see the PCCD page # X of X under section J which is showing a lender credit for the amount of $XXX.XX which is the same increase in the settlement charges. additionally, the Post closer agent added another cure for $XXX.XX which is more than enough to cover the increase in settlement charges. please see attached documents - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC dated XX/XX/XXXXfor increase to Fee for 2nd Appraisal and increase to settlement charges. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 450819 | XXXX | XXXX | D | B | D | B | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document Uploaded. Could you please review one more time these two-cure requested due to increase in Appraisal fee and settlement charges? We submitted and received a 2nd appraisal report or review fee on XXX XXth which is between X business days of the CD dated XX/XX/XXXX which is showing an increased in the appraisal report. Please a valid COC, proof of delivery and CD dated XX/XX/XXXX. in regards the increase in settlement charges please see the PCCD page # X of X under section J which is showing a lender credit for the amount of $XXX.XX which is the same increase in the settlement charges. additionally, the Post closer agent added another cure for $XXX.XX which is more than enough to cover the increase in settlement charges. please see attached documents - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Appraisal Fee increased from $XXX to $XXX and the Title-Settlement fee increased from $XXX to XXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. The lender provided a $XXX tolerance cure on the PCCD, which was not sufficient to remedy the tolerance violation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Document Uploaded. Could you please review one more time these two-cure requested due to increase in Appraisal fee and settlement charges? We submitted and received a 2nd appraisal report or review fee on XXX XXth which is between X business days of the CD dated XX/XX/XXXX which is showing an increased in the appraisal report. Please a valid COC, proof of delivery and CD dated XX/XX/XXXX. in regards the increase in settlement charges please see the PCCD page # X of X under section J which is showing a lender credit for the amount of $XXX.XX which is the same increase in the settlement charges. additionally, the Post closer agent added another cure for $XXX.XX which is more than enough to cover the increase in settlement charges. please see attached documents - Seller-XX/XX/XXXX |
Resolved-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 449888 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 439626 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449866 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 424758 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424823 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435714 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 439679 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450820 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424839 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435715 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1220 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - complete, recorded DOT provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see final DOT attached. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing executed Deed of Trust. DOT provided (pg X) is not for subject property nor borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see final DOT attached. - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - complete, recorded DOT provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435715 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - executed XXXX signed at closing provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing XXXXT executed at closing. XXXX provided (pg XXX) is not for borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - executed XXXX signed at closing provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 439671 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439640 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450821 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424798 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM0015 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Closing | Vested Owner Signature Requirement Not Satisfied | Resolved-XX/XX/XXXX - received Affidavit of Surviving, Death Cert - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Affidavit of Surviving, Death Certification, and clear to close certificate attached showing that bwr is the only owner of the property - Seller-XX/XX/XXXX Open-Vested Owner Signature Requirement Not Satisfied The current vesting on the Title Report reflects Harry E castle Jr and Deidre Castle husband and wife as joint tenants. The borrower on the Note and Deed is just Deidre Castle. Provide Quit claim that removed the spouse as vested owner. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Affidavit of Surviving, Death Certification, and clear to close certificate attached showing that bwr is the only owner of the property - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received Affidavit of Surviving, Death Cert - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424790 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424836 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received UCC Termination - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see UCC Financing Termination attached. - Seller-XX/XX/XXXX Open-Property Title Issue - Title Report in file indicates XXX filing remains open and payment was included in ratios. XXXX contains a note from underwriter that item was to be terminated at closing, please provide to verify no impact to HCLTV. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see UCC Financing Termination attached. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received UCC Termination - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435680 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435695 | XXXX | XXXX | C | B | C | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435695 | XXXX | XXXX | C | B | C | B | C | A | N/A | N/A | Closed | FCRE1159 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-XX/XX/XXXX - received prior policy effective XX/XX/XX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Prior term hazard attached. - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX. Provide prior policy showing continued coverage - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Prior term hazard attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received prior policy effective XX/XX/XX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439627 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435686 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439643 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 435673 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424799 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439616 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM0018 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - evidence of borrower receipt of appraisal provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see proof of appraisal been delivered to our borrower. - Seller-XX/XX/XXXX Open-Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see proof of appraisal been delivered to our borrower. - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - evidence of borrower receipt of appraisal provided. - Due Diligence Vendor-XX/XX/XXXX |
Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||
| 439616 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-XX/XX/XXXX - evidence of borrower receipt of appraisal provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see proof of appraisal been delivery attached. - Seller-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. . A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained, however no disclosure was issued to the borrowers within three business days after receiving the consumers’ application stating that they are entitled to a free copy of any appraisal, Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please see proof of appraisal been delivery attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - evidence of borrower receipt of appraisal provided. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 439616 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-2838 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | OK HOEPA Higher-Priced Mortgage Loan Test | Resolved-XX/XX/XXXX - evidence of borrower receipt of appraisal provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see proof of appraisal was submitted to our borrower attached. - Seller-XX/XX/XXXX Open-This loan failed the OK HOEPA higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the Oklahoma Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report. While the Oklahoma HOEPA Higher-Priced Mortgage Loan provisions specify that lenders XXX lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained, however no disclosure was issued to the borrowers within three business days after receiving the consumers’ application stating that they are entitled to a free copy of any appraisal, Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see proof of appraisal was submitted to our borrower attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - evidence of borrower receipt of appraisal provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435672 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 439658 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439652 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435656 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439646 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCOM1232 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed final XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see a complete Final and initial XXXX attached signed and dated by borrower and LO - Seller-XX/XX/XXXX Open-The Final XXXX is Missing Missing Final XXXX. Initial XXXX is incomplete, only X pages was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see a complete Final and initial XXXX attached signed and dated by borrower and LO - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed final XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 458870 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424765 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439663 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 415292 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE7009 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-XX/XX/XXXX - received policy reflecting additional XX% replacement coverage A - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Page X of the hazard policy under "Other Coverages and Endorsements" shows this coverage includes the "HomeShield Plus Package." Page X defines that package and shows it includes an additional XX.XX% dwelling replacement cost, therefore total coverage exceeds the balance of the existing lien and subject lien. - Seller-XX/XX/XXXX Open-Hazard policy reflects dwelling coverage is less than the total the combined liens and no cost to re-build was provided or extended replacement cost coverage reflected on the policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Page X of the hazard policy under "Other Coverages and Endorsements" shows this coverage includes the "HomeShield Plus Package." Page X defines that package and shows it includes an additional XX.XX% dwelling replacement cost, therefore total coverage exceeds the balance of the existing lien and subject lien. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received policy reflecting additional XX% replacement coverage A - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424837 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435712 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449838 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435665 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435707 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM2340 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | CD: General Form Requirements Not Met | Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - executed final CD provided, signed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The final CD was not signed by the borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - executed final CD provided, signed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435698 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 424807 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439630 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 449875 | XXXX | XXXX | B | B | B | B | B | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 449875 | XXXX | XXXX | B | B | B | B | B | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Patriot Act from both borrowers attached. - Seller-XX/XX/XXXX Open-Missing executed Patriot Act Disclosure for BX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Patriot Act from both borrowers attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 458895 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 519312 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3550 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the non-numeric clerical error and post-consummation revised closing disclosure delivery date test.( XX CFR §XXXX.XX(f)(X)(iv) )The post-consummation reason for redisclosure is "non-numeric clerical error" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Changes due to clerical errors. A creditor does not violate §XXXX.XX(f)(X)(i) if the disclosures provided under §XXXX.XX(f)(X)(i) contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than XX days after consummation. The final Post Closing CD was Issued on XX/XX/XXXX which is more than XX days from the consummation date. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the non-numeric clerical error and post-consummation revised closing disclosure delivery date test.( XX CFR §XXXX.XX(f)(X)(iv) )The post-consummation reason for redisclosure is "non-numeric clerical error" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Changes due to clerical errors. A creditor does not violate §XXXX.XX(f)(X)(i) if the disclosures provided under §XXXX.XX(f)(X)(i) contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than XX days after consummation. The final Post Closing CD was Issued on XX/XX/XXXX which is more than XX days from the consummation date. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435706 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450822 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 424766 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449846 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435679 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435657 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450823 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee. These documents were submitted in the original binder please see page # XXX to XXX. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal Fee increased from $XXX to$XXXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. Lender provided a COC (pg XXX) to add a $XXX re-inspection fee on XX/XX/XXXX but the original appraisal was completed as-is and there was no appraisal reinspection completed to justify increasing the appraisal fee. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD & pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee. These documents were submitted in the original binder please see page # XXX to XXX. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 450823 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document Uploaded. Please see PCCD & pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee. These documents were submitted in the original binder please see page # XXX to XXX - Seller-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Document Uploaded. Please see PCCD & pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee. These documents were submitted in the original binder please see page # XXX to XXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 450823 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document Uploaded. Please see PCCD & pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee. These documents were submitted in the original binder please see page # XXX to XXX - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Document Uploaded. Please see PCCD & pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee. These documents were submitted in the original binder please see page # XXX to XXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439639 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435692 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCOM1232 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received initial and final executed XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Initial & final XXXX - Seller-XX/XX/XXXX Open-The Final XXXX is Missing The executed Final XXXX was not provided in the image file, some data gleaned from other credit documentation. Additional findings XXX be required upon receipt - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Initial & final XXXX - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received initial and final executed XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435692 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCOM1231 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received initial and final executed XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see Initial & final XXXX - Seller-XX/XX/XXXX Open-The Initial XXXX is Missing The executed Initial XXXX was not provided in the image file, some data gleaned from other credit documentation. Additional findings XXX be required upon receipt - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please see Initial & final XXXX - Seller-XX/XX/XXXX |
Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received initial and final executed XXXX - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 435689 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449878 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received complete ICD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see a complete initial CD dated XX/XX/XXXX - Seller-XX/XX/XXXX Open-Missing page XX/X of initial CD issued on XX/XX/XXXX. Finance Charge entered as X and APR entered per final LE. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see a complete initial CD dated XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received complete ICD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 435669 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439637 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439650 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449885 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424818 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439677 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415295 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - County not eligible for Individual Assistance - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? per FEMA website the county where is located this property is not listed as disaster area for the Hurricane Helen. Please see attached documents. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review one more time this exception? per FEMA website the county where is located this property is not listed as disaster area for the Hurricane Helen. Please see attached documents. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - County not eligible for Individual Assistance - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 439670 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee with a valid COC. Pymt history attached shows that cure was applied a Principal reduction and is not required to proof of delivery to bwr. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal Fee increased from $XXX to $XXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee with a valid COC. Pymt history attached shows that cure was applied a Principal reduction and is not required to proof of delivery to bwr. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439670 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee with a valid COC. Pymt history attached shows that cure was applied a Principal reduction and is not required to proof of delivery to bwr. - Seller-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee with a valid COC. Pymt history attached shows that cure was applied a Principal reduction and is not required to proof of delivery to bwr. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439670 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee with a valid COC. Pymt history attached shows that cure was applied a Principal reduction and is not required to proof of delivery to bwr. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $XXX.XX due to increase in appraisal fee with a valid COC. Pymt history attached shows that cure was applied a Principal reduction and is not required to proof of delivery to bwr. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439670 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 439670 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 449861 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439628 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435703 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439634 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450824 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM9281 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Condo PUD rider | Resolved-XX/XX/XX - received lender response: "it appears that the PC that generated the original binder included incorrectly a XXXX that was included a HOA fees, but after a further review looks like the property is not responsible for any HOA fees. Please see an update XXXX, Loan approval showing correct ratios, XXXX, HOI policy, property taxes and the appraisal report shows that there is not HOA fee on the property." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. it appears that the PC that generated the original binder included incorrectly a XXXX that was included a HOA fees, but after a further review looks like the property is not responsible for any HOA fees. Please see an update XXXX, Loan approval showing correct ratios, XXXX, HOI policy, property taxes and the appraisal report shows that there is not HOA fee on the property. - Seller-XX/XX/XXXX Open-A PUD Rider was not prepared with the subject mortgage however the senior mortgage shows the subject is part of a PUD and the XXXX reflects monthly HOA payments. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. it appears that the PC that generated the original binder included incorrectly a XXXX that was included a HOA fees, but after a further review looks like the property is not responsible for any HOA fees. Please see an update XXXX, Loan approval showing correct ratios, XXXX, HOI policy, property taxes and the appraisal report shows that there is not HOA fee on the property. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received lender response: "it appears that the PC that generated the original binder included incorrectly a XXXX that was included a HOA fees, but after a further review looks like the property is not responsible for any HOA fees. Please see an update XXXX, Loan approval showing correct ratios, XXXX, HOI policy, property taxes and the appraisal report shows that there is not HOA fee on the property." - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 424804 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439617 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424791 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 439667 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424796 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424787 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415251 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439673 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424788 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439642 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435681 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424821 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure executed by the closing agent with ID info or provide Selleroto ID - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 449840 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439632 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 424843 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435717 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Investment | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439624 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424820 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458892 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435691 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415283 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report datedXX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report datedXX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 424832 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 415281 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX –County not eligible for Individual Assistance - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? Per FEMA website the county of Floyd is not designated as disaster area affected. Please see attached documents. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review one more time this exception? Per FEMA website the county of Floyd is not designated as disaster area affected. Please see attached documents. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX –County not eligible for Individual Assistance - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 424815 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424814 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458866 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424786 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 435674 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted XX/XX/XXXX - XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. File contains a clear Condition Assessment Report (pg XXX) dated XX/XX/XXXX, however it states no damage from Hurricane Helene, which is FEMA Declaration # XXXX. Declaration #XXXX is Hurricane Milton. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 435690 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 435690 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 491165 | XXXX | XXXX | C | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period for loans with application dates prior to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period for loans with application dates prior to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 491165 | XXXX | XXXX | C | B | B | B | A | A | N/A | N/A | Closed | FCRE1362 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 2 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period for loans with application dates prior to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period for loans with application dates prior to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 491165 | XXXX | XXXX | C | B | B | B | A | A | N/A | N/A | Closed | FPRO1136 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is XXXis (Primary Value) | Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Mold inspection dated XX/XX/XXXX provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see inspection report attached. Per Appraisal report we just need an opinion for the microbial growth. The inspection report shows that no mold present on the property - Seller-XX/XX/XXXX Open-Primary Value Subject Property Appraisal is not on an As-Is XXXis XXX is missing, however Mold Inspection (pg XXX) reflects no spores detected. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see inspection report attached. Per Appraisal report we just need an opinion for the microbial growth. The inspection report shows that no mold present on the property - Seller-XX/XX/XXXX |
Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Mold inspection dated XX/XX/XXXX provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 450825 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424841 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439645 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424759 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458898 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475979 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424773 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424806 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424803 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424760 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439666 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435658 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458908 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435659 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 435710 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 424778 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439659 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449848 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439665 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and pymt history attached showing a cure for $X,XXXX due to increase in settlement charges. No need proof of delivery to bwr since cure was applied a Principal Reduction. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Curative not provided - received duplicate COC and CD; The COC was issued (pg XXX), however it reflects the changes were received on XX/XX/XXXX however the revised CD was not issued until XX/XX/XXXX, which is outside the X day re-disclosure period. In addition, the Transfer Taxes increased from $X to $X.XX however the Final CD reflects a $X.XX cure for this tolerance violation. Remaining amount due borrower is $X,XXX to cure X% tolerance violation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. No cure is required for this file. Increased in the discount points were caused due to rate lock/lock extension/relock. Please see attached CD, COC, proof of delivery and lock confirmation - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Discount Points increased from $X to $X,XXX from the XXXeline LE to the Final CD. A COC was issued (pg XXX), however it reflects the changes were received on XX/XX/XXXX howeverthe revised CD was not issued until XX/XX/XXXX, which is outside the X day re-disclosure period. In addition, the Transfer Taxes increased from $X to $X.XX however the Final CD reflects a $X.XX cure for this tolerance violation. Remaining amount due borrower is $X,XXX to cure X% tolerance violation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and pymt history attached showing a cure for $X,XXXX due to increase in settlement charges. No need proof of delivery to bwr since cure was applied a Principal Reduction. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. No cure is required for this file. Increased in the discount points were caused due to rate lock/lock extension/relock. Please see attached CD, COC, proof of delivery and lock confirmation - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 439665 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - Curative not provided - received duplicate Final CD; The COC was issued (pg XXX), however it reflects the changes were received on XX/XX/XXXX however the revised CD was not issued until XX/XX/XXXX, which is outside the X day re-disclosure period. In addition, the Transfer Taxes increased from $X to $X.XX however the Final CD reflects a $X.XX cure for this tolerance violation. Remaining amount due borrower is $X,XXX to cure X% tolerance violation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD reflecting a lender cure for $X.XX due to increase in State Tax/Stamps. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Discount Points increased from $X to $X,XXX from the XXXeline LE to the Final CD. A COC was issued (pg XXX), however it reflects the changes were received on XX/XX/XXXX howeverthe revised CD was not issued until XX/XX/XXXX, which is outside the X day re-disclosure period. In addition, the Transfer Taxes increased from $X to $X.XX however the Final CD reflects a $X.XX cure for this tolerance violation. Remaining amount due borrower is $X,XXX to cure X% tolerance violation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD reflecting a lender cure for $X.XX due to increase in State Tax/Stamps. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 439665 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3545 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and pint history showing a cure for the amount of $X,XXXX due to increase in settlement charges. no need proof of delivery since cure was already applied as Principal reduction. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Curative not provided - received duplicate COC, revised CD and Final CD; The COC was issued (pg XXX), however it reflects the changes were received on XX/XX/XXXX however the revised CD was not issued until XX/XX/XXXX, which is outside the X day re-disclosure period. In addition, the Transfer Taxes increased from $X to $X.XX however the Final CD reflects a $X.XX cure for this tolerance violation. Remaining amount due borrower is $X,XXX to cure X% tolerance violation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Reviewer unable to establish if this exception is a waterfall from the increase in the discount points or increase in the State Tax/Stamps. The increased in the discount points had occurred due to rate lock/relock/ or lock extension and State tax was cured and reflected on the Consummation CD. Please see attached documents that includes CDs dated XX/XX & XX/XX, Rate lock, COC and proof of delivery - Seller-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. ( XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , XX CFR §XXXX.XX(e)(X)(i) )The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure) and §XXXX.XX(e)(X)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count XXXed on the client preferences configured on the company settings business days profile page:As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms.Official InterpretationsXX C.F.R. §XXXX.XX(e)(X)(ii)Relationship to disclosures required under §XXXX.XX(f)(X)(i).Revised disclosures XXX not be delivered at the same time as the Closing Disclosure. §XXXX.XX(e)(X)(ii) prohibits a creditor from providing a revised version of the disclosures required under §XXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXX.XX(f)(X)(i)...However, if a creditor uses a revised estimate pursuant to § XXXX.XX(e)(X)(iv) for the purpose of determining good faith under § XXXX.XX(e)(X)(i) and (ii), § XXXX.XX(e)(X)(i) permits the creditor to provide the revised estimate in the disclosures required under § XXXX.XX(f)(X)(i) (including any corrected disclosures provided under § XXXX.XX(f)(X)(i) or (ii)). The COC is dated XX/XX/XXXX and the revised CD is dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and pint history showing a cure for the amount of $X,XXXX due to increase in settlement charges. no need proof of delivery since cure was already applied as Principal reduction. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Reviewer unable to establish if this exception is a waterfall from the increase in the discount points or increase in the State Tax/Stamps. The increased in the discount points had occurred due to rate lock/relock/ or lock extension and State tax was cured and reflected on the Consummation CD. Please see attached documents that includes CDs dated XX/XX & XX/XX, Rate lock, COC and proof of delivery - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 439665 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 439665 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 458868 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Satisfaction of the Judgement Lien that was recorded XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Satisfaction attached. - Seller-XX/XX/XXXX Open-Property Title Issue Title (pg XXXX) reflects open judgement in the amount of $X,XXX.XX that was not paid off at closing. Copy of judgement (pg XXX) reflects it is against borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Satisfaction attached. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Satisfaction of the Judgement Lien that was recorded XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475902 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439653 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449849 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449871 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 449882 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458880 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450827 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 449870 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-PCCD cure - Due Diligence Vendor-XX/XX/XXXX Resolved-Cured with PCCD - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Section J reflects $XX cure for total of$XXXX reimbursed. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cure docs attached. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is$XXXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Reinspection fee increased from $X to$XXXX on the Initial CD dated XX/XX/XXXX without a written COC. Missing evidence the borrower was reimbursed$XXXX for the increase. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cure docs attached. - Seller-XX/XX/XXXX |
Resolved-PCCD cure - Due Diligence Vendor-XX/XX/XXXX Resolved-Cured with PCCD - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Section J reflects $XX cure for total of$XXXX reimbursed. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 449870 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Section J reflects $XX cure for total of$XXXX reimbursed. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Completed additional $XXX cure. Combined with $XX cure at funding, this is$XXXX total. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded,$XXXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Reinspection fee increased from $X to$XXXX on the Initial CD dated XX/XX/XXXX without a written COC. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Completed additional $XXX cure. Combined with $XX cure at funding, this is$XXXX total. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Section J reflects $XX cure for total of$XXXX reimbursed. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 449870 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | |||||
| 449870 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3622 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | TRID | TRID Post-Consummation Reason for Redisclosure Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||||
| 449870 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | |||||
| 449841 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
10/02/20 | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | ||
| 491177 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Counter-XX/XX/XX report provided is for wrong loan/property in FL rather than NC - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. no damage - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see re-inspection report attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. no damage - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 449873 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO1245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received re-cert of value dated XX/XX/XXXX at $XXXk - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The appraisal was recertified on XX/XX/XXXX. - Seller-XX/XX/XXXX Open-Primary Value Appraisal is Expired Missing re-certification or desk review of valuation provided. The Appraisal report is dated XX/XX/XXXX, loan application date is XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The appraisal was recertified on XX/XX/XXXX. - Seller-XX/XX/XXXX |
Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received re-cert of value dated XX/XX/XXXX at $XXXk - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 450828 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449859 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received X consecutive paystubs ending XX/XX/XXXX and XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Additional paystubs attached. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing XX days of consecutive paystubs. Borrower is paid bi-weekly, however only one paystub was provided for pay period XX/XX/XXXX - XX/XX/XXXX. Other pay stubs in file are from year end XXXX and XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Additional paystubs attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Paystubs Less Than X Month Provided Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received X consecutive paystubs ending XX/XX/XXXX and XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 449847 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-XX/XX/XX - received USA Patriot Act signed by closer with ID info exp as XX/XX/XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Patriot Act Disclosure attached. - Seller-XX/XX/XXXX Open-The borrower's ID on the Patriotic Act Disclosure is expired. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Patriot Act Disclosure attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received USA Patriot Act signed by closer with ID info exp as XX/XX/XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 449887 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439680 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM3527 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Post Consummation CD issued improperly | Resolved-XX/XX/XXXX - received PCCD reflecting $XXX reimbursed as principal reduction on subject loan - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD showing corrections for cure approved to bwr for the amount of $XXX.XX also see proof of delivery done by Fedex - Seller-XX/XX/XXXX Open-Missing PCCD that reflects $XXX lender credit to cure amount over X% tolerance. PCCD provided (pg XXX) does not reflect credit to borrower, however LOE to borrower (pg XXX) states there is a refund check. Copy of check is provided (pg XXX) and proof sent to borrower (pg XXX) is also provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD showing corrections for cure approved to bwr for the amount of $XXX.XX also see proof of delivery done by Fedex - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD reflecting $XXX reimbursed as principal reduction on subject loan - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475917 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439619 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449874 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458865 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450829 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439647 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 424842 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475909 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458883 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475946 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449856 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 497269 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439668 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450830 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449868 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 439622 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450831 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439657 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439623 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449851 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449881 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439662 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439664 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458905 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475896 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475980 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439660 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439672 | XXXX | XXXX | B | B | B | B | A | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | B | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX | Waived-Borrower X Paystubs Less Than X Month Provided Client agrees to waive guideline requirement for most recent paystubs covering XX-day period. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 475957 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 491157 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | Closed | FPRO1149 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | A | A | Property | Property | Property is Lease Hold | Resolved-XX/XX/XX - Leasehold Estoppel Affidavit provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Copy of recorded lease hold agreement not provided to verify it meets FNMA requirements. Appraiser states typical for area and doesn't negatively impact marketability. - Due Diligence Vendor-XX/XX/XXXX Open-Property Rights are Lease Hold Copy of recorded lease hold agreement not provided to verify it meets FNMA requirements. Appraiser states typical for area and doesn't negatively impact marketability. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Leasehold Estoppel Affidavit provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 439641 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449837 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475951 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 450832 | XXXX | XXXX | C | B | C | B | C | A | N/A | N/A | Closed | FCRE1332 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Client agrees to waive guideline requirement for most recent paystubs covering XX-day period for loans with application dates prior to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XX - It is Selleroenix understanding that the Waiver is for application dates prior to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see guidelines updates attached which states that the new requirement for XX days of paystubs will start on applications dated on and after XXX XX, XXXX. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Less Than X Month Provided Missing XX days of consecutive paystubs. Borrower is paid bi-weekly. Only one paystub provided for pay period XX/XX/XXXX-XX/XX/XXXX. Application date is after XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see guidelines updates attached which states that the new requirement for XX days of paystubs will start on applications dated on and after XXX XX, XXXX. - Seller-XX/XX/XXXX |
Waived-Client agrees to waive guideline requirement for most recent paystubs covering XX-day period for loans with application dates prior to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||
| 439636 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439676 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450833 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450834 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 439620 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449852 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475908 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458900 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503420 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 491203 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475981 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475921 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475910 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458889 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503428 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439631 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449842 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449855 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491199 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Second Home | Refinance | Cash Out - Other | ||||||||||||||||||
| 497270 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475905 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Second Home | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497271 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 439648 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458904 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449876 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449865 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475960 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | Closed | finding-47 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | A | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-XX/XX/XX-received cover letter and re-disclosed NORTC with exp date XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC signed and dated by both borrowers - Seller-XX/XX/XXXX Counter-XX/XX/XX - the loan funded on XX/XX/XXXX which is the same date as the ROR cancelation date. The disbursement date should have occurred on XX/XX/XXXX to allow for X-business day rescission period. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? or either escalate it to your team lead? per NORTC our borrowers signed the NORTC on XX/XX/XXXX then three business days that includes XXXs gives three business days per calendar attached. Borrowers' initials and entered the correct date on both forms. - Seller-XX/XX/XXXX Open-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 XXX 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. The loan was consummated on XX/XX/XXXX and was in recession until midnight on XX/XX/XXXX. The earliest the loan could fund was XX/XX/XXXX, the loan funded on XX/XX/XXXX, which did not give borrowers the complete X day recession. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC signed and dated by both borrowers - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? or either escalate it to your team lead? per NORTC our borrowers signed the NORTC on XX/XX/XXXX then three business days that includes XXXs gives three business days per calendar attached. Borrowers' initials and entered the correct date on both forms. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX-received cover letter and re-disclosed NORTC with exp date XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 458885 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458886 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475964 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449867 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449857 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458878 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1145 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Final Short Form ALTA Policy - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Final Title Policy Insurance attached. - Seller-XX/XX/XXXX Counter-XX/XX/XX - per Client Guidelines: For Loan amounts >/= XXXk, must attain a full ALTA title report. The E&O and CPL were provided, however missing the ALTA Commitment or Final Policy - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time the original binder? the page # XXX shows the warranty of transaction for the loan amount which is $XXX,XXX.XX. Thank you - Seller-XX/XX/XXXX Open-Title Document is missing Loan amount is greater than$XXXX,XXX however a full ALTA title policy was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Final Title Policy Insurance attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time the original binder? the page # XXX shows the warranty of transaction for the loan amount which is $XXX,XXX.XX. Thank you - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Final Short Form ALTA Policy - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475892 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3399 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - curative for High Cost failure not provided, please review all High Cost Findings for details. Received initial and Final CD only, - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see initial CD dated XX/XX/XXXX signed & dated attached also see Consummation CD signed and dated until XX/XX/XXXX which is three days business days from initial CD - Seller-XX/XX/XXXX Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: ( XX CFR §XXXX.XX(c) )The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by XX CFR §XXXX.XX at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see initial CD dated XX/XX/XXXX signed & dated attached also see Consummation CD signed and dated until XX/XX/XXXX which is three days business days from initial CD - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475892 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3406 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX Ready for Review-PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (XX CFR §XXXX.XX(a)(X)(i), (ii))The loan is a XXXX RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by XX CFR §XXXX.XX; or The loan is a XXXX TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by XX CFR §XXXX.XX; or The High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraSeller (a)(X) must occur after:(A) The consumer receives either the disclosure required by section X(c) of the Real Estate Settlement Procedures Act of XXXX (XX U.S.C. XXXX(c)) or the disclosures required by §XXXX.XX; or(B) The consumer receives the disclosures required by §XXXX.XX(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 475892 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3408 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX Ready for Review-PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: ( XX CFR §XXXX.XX(a)(X)(i) )The loan provides for a late payment fee in excess of X% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and XXX not exceed X percent of the amount of the payment past due. No such charge XXX be imposed more than once for a single late payment. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 475892 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3392 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage APR Threshold Test | Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX Ready for Review-PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX Open-This loan failed the high-cost mortgage APR threshold test due to one of the following findings: ( XX CFR §XXXX.XX(a)(X)(i)(A), (C) )The loan is secured by a first-lien transaction, and the annual percentage rate (APR), as determined in accordance with XX CFR §XXXX.XX(a)(X) XX.XXX%, exceeds the Average Prime Offer Rate (X.XXX%) by more than X.X%; orThe loan is a subordinate-lien transaction, and the annual percentage rate (APR), as determined in accordance with XX CFR §XXXX.XX(a)(X) XX.XXX%, exceeds the Average Prime Offer Rate (X.XXX%) by more than X.X%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-PCCD, LOE, cure check, proof check cleared and proof of delivery uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD with reimbursement check to borrower for $XXX with evidence of Fed Ex delivery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 475907 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458875 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491164 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458897 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 491187 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt History showing a cure for $XX.XX due to increase in appraisal fee and abstract fee. No need proof of delivery to bwr since cure was applied as PR. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal Fee increased from $XXX to $XXX, the Notary Fee increased from $X to $XX and the Abstract Fee increased from $X to $XXX from the XXXeline LE to the final CD without a written COC. Total violation is $XXX. Final CD reflects a $XXX.XX lender credit to cure amounts over X% tolerance, however an additional $XX.XX is due to borrower to cure remaining X% tolerance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD & Pymt History showing a cure for $XX.XX due to increase in appraisal fee and abstract fee. No need proof of delivery to bwr since cure was applied as PR. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491187 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt History showing a cure for $XX.XX due to increase in appraisal fee and abstract fee. No need proof of delivery to bwr since cure was applied as PR. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Appraisal Fee increased from $XXX to $XXX, the Notary Fee increased from $X to $XX and the Abstract Fee increased from $X to $XXX from the XXXeline LE to the final CD without a written COC. Total violation is $XXX. Final CD reflects a $XXX.XX lender credit to cure amounts over X% tolerance, however an additional $XX.XX is due to borrower to cure remaining X% tolerance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD & Pymt History showing a cure for $XX.XX due to increase in appraisal fee and abstract fee. No need proof of delivery to bwr since cure was applied as PR. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491187 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 491187 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 439649 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458881 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1152 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received RealQuest Property Detail showing Tax Exemption for Veteran status - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Looks like the property or borrower is exempted to pay property taxes due to bwr is a Veteran. Please see RealQuest property report attached. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Missing evidence of no Property Tax for subject property. Tax Cert provided is not completed and not executed by the settlement agent. No other documentation stating property taxes are not assessed on the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Looks like the property or borrower is exempted to pay property taxes due to bwr is a Veteran. Please see RealQuest property report attached. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received RealQuest Property Detail showing Tax Exemption for Veteran status - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475924 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 449844 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491178 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458879 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458871 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475965 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458890 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491158 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475967 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 519311 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3550 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the non-numeric clerical error and post-consummation revised closing disclosure delivery date test.( XX CFR §XXXX.XX(f)(X)(iv) )The post-consummation reason for redisclosure is "non-numeric clerical error" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Changes due to clerical errors. A creditor does not violate §XXXX.XX(f)(X)(i) if the disclosures provided under §XXXX.XX(f)(X)(i) contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than XX days after consummation. The final Post-Closing CD was issued on XX/XX/XXXX which is greater than XX days from consummation. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the non-numeric clerical error and post-consummation revised closing disclosure delivery date test.( XX CFR §XXXX.XX(f)(X)(iv) )The post-consummation reason for redisclosure is "non-numeric clerical error" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Changes due to clerical errors. A creditor does not violate §XXXX.XX(f)(X)(i) if the disclosures provided under §XXXX.XX(f)(X)(i) contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than XX days after consummation. The final Post-Closing CD was issued on XX/XX/XXXX which is greater than XX days from consummation. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 458893 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491202 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475900 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475958 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449839 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1118 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Borrower X Signature matches Note - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received DOT signed by the borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Signed copy attached. - Seller-XX/XX/XXXX Open-Borrower X Signature does not match Note Borrower did not execute Mortgage/Security Instrument. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Signed copy attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Signature matches Note - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received DOT signed by the borrower. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 450837 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475922 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 449862 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475969 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475987 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1146 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - complete O&E provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see complete title report attached. - Seller-XX/XX/XXXX Open-Title Document is incomplete or only partially present O&E is missing page X of the report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see complete title report attached. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - complete O&E provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 458907 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450838 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475984 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458873 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449850 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458899 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475912 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497272 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1316 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - VOE provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached VOE which included 3rd party verification dated XX/XX/XXXX that is XX business days from closing date XX/XX. Please keep in mind that XXXember XX is not a business day since was a Veteran's Day. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing Missing Verbal Verification of Employment prior to close. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached VOE which included 3rd party verification dated XX/XX/XXXX that is XX business days from closing date XX/XX. Please keep in mind that XXXember XX is not a business day since was a Veteran's Day. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - VOE provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491196 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497273 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475913 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - the total X% variance was $XXX, which includes an increase to the Settlement Fee from $XXX to $XXX, an increase to the Transfer Tax from $X to $X and an increase to the Title Doc Prep Fee from $XX. The final CD reimbursed only $XX and therefore an additional $XX reimbursement is required to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review this exception one more time or escalate this discrepancy to your team lead? We don't have available the valid COC for the increase in the Deed Preparation fee for $XX.XX that is the main reason why we applied a Lender credit for $XX.XX, the second request for a proof of delivery of the cure the page # X of X, section J which is listed as a Lender Credit for $XX.XX so there is no proof of refund to bwr due to is a Lender credit. I apologize for stating on the previous msg that I submitted the PCCD. what I included was the final CD generated by funder when she/he realized that was no COC for the fee increased. Please see again final CD showing a lender credit. Thank you - Seller-XX/XX/XXXX Counter-Tolerance Violation is due to addition of Deed Preparation Fee of $XX from Loan Estimate to Initial and Final CD. Please provide verification borrower was provided an appropriate Change Circumstance form or proof of an additional $XX refunded to the borrower and PCCD reflecting the revision. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? final Closing disclosure is reflecting a Lender cure for the amount of $XX.XX which is more than enough to cure the increase in the settlement charges. Please see attached final CD - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Tolerance Violation is due to addition of Deed Preparation Fee of $XX from Loan Estimate to Initial and Final CD. Please provide verification borrower was provided an appropriate Change Circumstance form or proof of an additional $XX refunded to the borrower and PCCD reflecting the revision. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review this exception one more time or escalate this discrepancy to your team lead? We don't have available the valid COC for the increase in the Deed Preparation fee for $XX.XX that is the main reason why we applied a Lender credit for $XX.XX, the second request for a proof of delivery of the cure the page # X of X, section J which is listed as a Lender Credit for $XX.XX so there is no proof of refund to bwr due to is a Lender credit. I apologize for stating on the previous msg that I submitted the PCCD. what I included was the final CD generated by funder when she/he realized that was no COC for the fee increased. Please see again final CD showing a lender credit. Thank you - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? final Closing disclosure is reflecting a Lender cure for the amount of $XX.XX which is more than enough to cure the increase in the settlement charges. Please see attached final CD - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475913 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt History showing a cure for $XX.XX for increase in settlement charges. No need proof of delivery since cure was processed as PR. - Seller-XX/XX/XXXX Counter-XX/XX/XX - the total X% variance was $XXX, which includes an increase to the Settlement Fee from $XXX to $XXX, an increase to the Transfer Tax from $X to $X and an increase to the Title Doc Prep Fee from $XX. The final CD reimbursed only $XX and therefore an additional $XX reimbursement is required to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review this exception one more time or escalate this discrepancy to your team lead? We don't have available the valid COC for the increase in the Deed Preparation fee for $XX.XX that is the main reason why we applied a Lender credit for $XX.XX, the second request for a proof of delivery of the cure the page # X of X, section J which is listed as a Lender Credit for $XX.XX so there is no proof of refund to bwr due to is a Lender credit. I apologize for stating on the previous msg that I submitted the PCCD. what I included was the final CD generated by funder when she/he realized that was no COC for the fee increased. Please see again final CD showing a lender credit. Thank you - Seller-XX/XX/XXXX Counter-Tolerance Violation is due to addition of Deed Preparation Fee of $XX from Loan Estimate to Initial and Final CD. Please provide verification borrower was provided an appropriate Change Circumstance form or proof of an additional $XX refunded to the borrower and PCCD reflecting the revision. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please see PCCD attached reflecting a lender credit for $XX.XX enough to cure exceeding settlement charges due to preparation fee - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Tolerance Violation is due to addition of Deed Preparation Fee of $XX from Loan Estimate to Initial and Final CD. Please provide verification borrower was provided an appropriate Change Circumstance form or proof of an additional $XX refunded to the borrower and PCCD reflecting the revision. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD & Pymt History showing a cure for $XX.XX for increase in settlement charges. No need proof of delivery since cure was processed as PR. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review this exception one more time or escalate this discrepancy to your team lead? We don't have available the valid COC for the increase in the Deed Preparation fee for $XX.XX that is the main reason why we applied a Lender credit for $XX.XX, the second request for a proof of delivery of the cure the page # X of X, section J which is listed as a Lender Credit for $XX.XX so there is no proof of refund to bwr due to is a Lender credit. I apologize for stating on the previous msg that I submitted the PCCD. what I included was the final CD generated by funder when she/he realized that was no COC for the fee increased. Please see again final CD showing a lender credit. Thank you - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please see PCCD attached reflecting a lender credit for $XX.XX enough to cure exceeding settlement charges due to preparation fee - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475913 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 475913 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | |||||
| 458882 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449886 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458867 | XXXX | XXXX | B | A | A | A | B | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Patriot Act disclosure from both borrowers attached. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure for both borrowers. No Selleroto provided or other documentation provided to verify citizenship. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Patriot Act disclosure from both borrowers attached. - Seller-XX/XX/XXXX |
Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received USA Patriot Act signed by closer with ID info - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475952 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475956 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497274 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450839 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475929 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 450840 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475920 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 458872 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475915 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503430 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1336 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Borrower X Award Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received revised XXXX, XXXX excluding addition retirement income of XXX.XXX/mo. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This income appears to be a data entry error and was intended to be the amount of grossed-up income for borrowerX's SSI. It was not intended to be entered twice. Attached are the corrected XXXX and XXXX with the additional income removed, new DTI is XX.XXX%. - Seller-XX/XX/XXXX Open-Borrower X Award Letter Missing Missing award letter or XXXX or proof of current receipt and continuance for pension/retirement income of $XXX.XXX/mo for David Kimball. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This income appears to be a data entry error and was intended to be the amount of grossed-up income for borrowerX's SSI. It was not intended to be entered twice. Attached are the corrected XXXX and XXXX with the additional income removed, new DTI is XX.XXX%. - Seller-XX/XX/XXXX |
Resolved-Borrower X Award Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received revised XXXX, XXXX excluding addition retirement income of XXX.XXX/mo. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 458888 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1294 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Income X Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received TI for REO verifying $XXX.XX monthly expense. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see proof of HOI and property taxes for property located at XXX Norris Rr which is borrower parents' property. - Seller-XX/XX/XXXX Open-Income X Months Income Verified is Missing Missing documentation that supports the amount of -XXX.XX for property located at XXX Norris, per the XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see proof of HOI and property taxes for property located at XXX Norris Rr which is borrower parents' property. - Seller-XX/XX/XXXX |
Resolved-Income X Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received TI for REO verifying $XXX.XX monthly expense. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 458902 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Rejected-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 491143 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458887 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475976 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475963 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475982 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL2477 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-XX/XX/XX - received corrected appraisal with picture of subject provided reflecting not listed for sale. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see update appraisal report attached showing correction on main picture of the report. - Seller-XX/XX/XXXX Open-Provide corrected Appraisal. The Selleroto of the property on the cover page of the appraisal report reflects it is for sale however the Selleroto does not match the property Selleroto for subject property on page XXX. The appraiser noted the property has not been listed for the past XX months. Properties for sale are ineligible. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see update appraisal report attached showing correction on main picture of the report. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received corrected appraisal with picture of subject provided reflecting not listed for sale. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475911 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475891 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458884 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450841 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 450842 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475944 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491153 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491146 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491201 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL3825 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XXX X - XXX X, XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 497275 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 491151 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 458877 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 449877 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475928 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497276 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX and received XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see page # XXX for proof of delivery and pages #XXX to XXX for initial CD dated XX-XX. also see proof of delivery and again initial CD signed by borrower on XX/XX - Seller-XX/XX/XXXX Open-Missing the initial CD and evidence the borrower received the disclosure X days prior to consummation. Additional Findings XXX apply. The Initial CD in file Date Issued XX/XX/XXXX Closing Date XX/XX/XXXX Disbursement Date XX/XX/XXXX page XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see page # XXX for proof of delivery and pages #XXX to XXX for initial CD dated XX-XX. also see proof of delivery and again initial CD signed by borrower on XX/XX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX and received XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491148 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491156 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Investment | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475971 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475918 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491185 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Clear to Close Cert from XXX Title - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Clear to Close Certificate which is showing that was not issues open in the title report - Seller-XX/XX/XXXX Open-Property Title Issue - Public records search (pages XXX-XXX of original submission) reflects an open permit for work on natural gas line with most recent status XX/XX/XXXX indicating Final Inspection Failed. Please provide proof of completion. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Clear to Close Certificate which is showing that was not issues open in the title report - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Clear to Close Cert from XXX Title - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 491185 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and Pymt History attached showing a cure for $XXX.XX due to increase in transfer taxes. No need proof of delivery since cure was done as PR. - Seller-XX/XX/XXXX Open-The Transfer Tax increased from $XXXX to$XXXX.XX from the initial CD to Final CD and PCCD without a COC. Missing evidence the borrower was reimbursed $XXX.XX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). ***The Transfer Tax increased from $X,XXX to $X,XXX.XX from the XXXe LE to Final and PCCDs without a valid COC and the Deed Preparation Fee increased from $X to $XX from the XXXe LE to Final CD and PCCDs without a valid COC. Missing evidence the borrower was reimbursed $XXX.XX to cure the X% tolerance variance. *** - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and Pymt History attached showing a cure for $XXX.XX due to increase in transfer taxes. No need proof of delivery since cure was done as PR. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 491185 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-XX/XX/XX - received CD issued XX/XX/XXXX with COC and evidence of receipt - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see CD dated XX-XX-XX attached showing a COC, proof of delivery. Increased in recording fees was caused due to remove or add another person from title. No additional cure needs to be done to this file. - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). *** The Recording Fee increased from $XXX to $XXXX from the XXXeline LE to Final CD and PCCDs without a valid COC. Missing evidence the borrower was reimbursed $X,XXX.XX to cure the XX% tolerance variance. *** - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see CD dated XX-XX-XX attached showing a COC, proof of delivery. Increased in recording fees was caused due to remove or add another person from title. No additional cure needs to be done to this file. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received CD issued XX/XX/XXXX with COC and evidence of receipt - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 491185 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD and Pymt History attached showing a cure for $XXX.XX due to increase in transfer taxes. No need proof of delivery since cure was done as PR. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The reimbursement of $XX is insufficient to cure the X% and XX% tolerance variance totaling $X,XXX.XX. Please provide additional reimbursement of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PCCD and Pymt History attached showing a cure for $XXX.XX due to increase in transfer taxes. No need proof of delivery since cure was done as PR. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 491185 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | FCRE6873 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-XX/XX/XX - Drive Report received - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see initial Fraud report attached dated XX/XX/XXXX - Seller-XX/XX/XXXX Open-- Please provide proof originator correctly cleared Extended Fraud Alert on the credit report at the time of application. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see initial Fraud report attached dated XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Drive Report received - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 491185 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | |||||
| 491185 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | |||||
| 475948 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491188 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475945 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 458896 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503460 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475895 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475916 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497278 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497279 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475889 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475983 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491152 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475953 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475923 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497280 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475899 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497281 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497282 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497283 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475914 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497284 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491204 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475988 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503447 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 491162 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3733 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Rescission Total of Payments Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID rescission total of payments test. ( XX CFR §XXXX.XX(g)(X)(ii) )The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than XX/X of X percent of the face amount of the note or $XXX, whichever is greater. - All of the CDs in file were unexecuted and revision being considered as the Final, issued XX/XX/XXXX, reflects a different Disbursement Date than PCCDs. Please provide a copy of Final CD signed by borrowers with accurate final fee and payment details to complete Compliance testing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 491162 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TILA finance charge test.( XX CFR §XXXX.XX(o)(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. Loan is under disclosed by $XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 491162 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-853 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX Open-This loan failed the TILA rescission finance charge test.( XX CFR §XXXX.XX(g)(X) , transferred from XX CFR §XXX.XX(g)(X) ) 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/X of X percent of the face amount of the note or $XXX, whichever is greater. Underdisclosed by $XXXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491162 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3732 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. Variance is $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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 491162 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3719 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX Open-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. All of the CDs in file were unexecuted and revision being considered as the Final, issued XX/XX/XXXX, reflects a different Disbursement Date than PCCDs. Please provide a copy of Final CD signed by borrowers with accurate final fee and payment details to complete Compliance testing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491162 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3720 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | TILA Post-Consummation Revised Closing Disclosure Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX Open-This loan failed the TILA rescission finance charge test. ( XX CFR §XXXX.XX(g)(X) , transferred from XX CFR §XXX.XX(g)(X) )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/X of X percent of the face amount of the note or $XXX, whichever is greater. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491162 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD - Seller-XX/XX/XXXX Open-Final CD provided is not signed by the borrower - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491181 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475978 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475903 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491207 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE7497 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX Open-Please provide evidence of HOA dues for REO property on XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 491207 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1438 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | ATR Risk | Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX Open-ATR Risk Lender did not validate HOA dues on REO property on XXX. Audit research on XXX shows HOA dues on REO of$XXXX/mo which increases DTI above maximum XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX Resolved-ATR Risk Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491207 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1568 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan is QM/ATR Non-compliant | Resolved-ATR: Documentation Supporting ATR Factors Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Update XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX Open-ATR: Documentation Supporting ATR Factors is Missing Lender did not document HOA on 2nd home. Property is in same city as subject and was purchased in Dec XXXX as new construction from a builder. Audit research on XXX shows HOA dues of$XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX |
Resolved-ATR: Documentation Supporting ATR Factors Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Update XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491207 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE0032 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements Lender did not document HOA on 2nd home. Property is in same city as subject and was purchased in Dec XXXX as new construction from a builder. XXX shows HOA dues of$XXXX. Including HOA dues increases DTI from XX.XX% to XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX |
Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491207 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX.XX% Lender did not document HOA on 2nd home. Property is in same city as subject and was purchased in Dec XXXX as new construction from a builder. XXX shows HOA dues of$XXXX. DTI did not include HOA for REO. Adding HOA increases DTI from XX.XX% to XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491207 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE9488 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-XX/XX/XX - received acceptable lender response. "LOE shouldn’t be required considering all income, HOI, credit profile supports borrower owns subject home as primary residence. Docs signed and checked by the borrower also confirms primary residence. Borrower qualifies with both payments." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see rebuttal response regarding the requested LOE. - Seller-XX/XX/XXXX Counter-XX/XX/XX/ - provide LOE for the occupancy discrepancy for the REO on XXX noted as a Second Home, however documentation suggests it is a Primary Residence, as is the subject property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Could you please kindly tell us what documents or information you do need in order to clear this exception? Thank you - Seller-XX/XX/XXXX Open-REO Property on XXX is reflected on XXXX as a "Second Home", however, it is in the same city as subject and was purchased in Dec XXXX as new construction from a builder. Financing was FHA @ XX% which requires Owner Occupancy. Fraud/Drive report reflects Owner Occupancy for both properties. XXXX also reflects that borrower's parents XXX have an interest in the Subject, however, they do not appear on the deed. 's - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see rebuttal response regarding the requested LOE. - Seller-XX/XX/XXXX Ready for Review-Could you please kindly tell us what documents or information you do need in order to clear this exception? Thank you - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received acceptable lender response. "LOE shouldn’t be required considering all income, HOI, credit profile supports borrower owns subject home as primary residence. Docs signed and checked by the borrower also confirms primary residence. Borrower qualifies with both payments." - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491207 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE0034 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Credit History and Liabilities Was Not Properly Considered | Resolved-ATR: Credit History and Liabilities Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX Open-ATR: Credit History and Liabilities Was Not Properly Considered Lender did not document HOA on 2nd home. Property is in same city as subject and was purchased in Dec XXXX as new construction from a builder. Audit research on XXX shows HOA dues of$XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review the DTI calculations? The HOA fees per XXX shows$XXXX.XX annually if we divided this amount give us a $XX.XX. By adding this amount to the total expenses will increase the DTI by only X.XXX which will from XX.XXX% to XX.XXX%. The file still under XX.XX% guidelines. Please see screenshot from XXX. - Seller-XX/XX/XXXX |
Resolved-ATR: Credit History and Liabilities Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX: received XXX web page for REO with HOA$XXXX annually or $XX.XX/month - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475898 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491182 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503444 | XXXX | XXXX | C | A | C | A | B | A | N/A | N/A | Closed | FCRE3091 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Mater policy renewal dec page exp XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Update attached. - Seller-XX/XX/XXXX Open-Master Policy Expiration Date of XX-XX-XXXX is Prior To the Transaction Date of XX-XX-XXXX Missing Current Condo Master Dec Page that renewed on XX/XX/XXXX. Current Master Condo Dec Page is expired prior to transaction date XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Update attached. - Seller-XX/XX/XXXX |
Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Mater policy renewal dec page exp XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 503444 | XXXX | XXXX | C | A | C | A | B | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-XX/XX/XX - received Perm Res ID - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing Permanent Resident Alien Card. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received Perm Res ID - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 497285 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475954 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 497286 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475955 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497287 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491167 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491170 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475989 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 514105 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497288 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $X.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $X.XX due to increase in appraisal fee. No proof of delivery is required since cure was applied as PR. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal fee increased from$XXXX to $XXX from the XXXeline LE to the Final CD without a written COC. Missing evidence the borrower was reimbursed an additional $X.XX to cure the X% tolerance variance. A specific lender credit of $XX.XX was provided with the final CD rather than $XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $X.XX due to increase in appraisal fee. No proof of delivery is required since cure was applied as PR. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $X.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 497288 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $X.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $X.XX due to increase in appraisal fee. No proof of delivery is required since cure was applied as PR. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Appraisal fee increased from$XXXX to $XXX from the XXXeline LE to the Final CD without a written COC. Missing evidence the borrower was reimbursed an additional $X.XX to cure the X% tolerance variance. A specific lender credit of $XX.XX was provided with the final CD rather than $XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PCCD & Pymt history attached showing a cure for $X.XX due to increase in appraisal fee. No proof of delivery is required since cure was applied as PR. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $X.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475904 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497289 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491160 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491183 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475894 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491209 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491197 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497290 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497291 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475906 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491154 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503465 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491206 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491179 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475974 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497293 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1964 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-XX/XX/XX - received Bank Stmt Analysis - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see Bank Statement analysis attached - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Bank Statement Analysis / Income Calculation Worksheet for XXX, Inc. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please see Bank Statement analysis attached - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received Bank Stmt Analysis - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | HI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491205 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475991 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503453 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475949 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 475897 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497294 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475968 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491161 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475977 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475990 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491192 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475985 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-47 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-XX/XX/XX - received seller attesting to include XXX as a business for ROR timing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX to XX/XX is three business days - XXX the XXth, XXX the XXth, XXX the XXth. XXX is included as a business day. - Seller-XX/XX/XXXX Open-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 XXX 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. The loan closed on XX/XX/XXXX and disbursed on XX/XX/XXXX, borrower was not provided X business days for right to cancel. The NORTC reflects a cancel date of XX/XX/XXXX, which is X business days. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-XX/XX to XX/XX is three business days - XXX the XXth, XXX the XXth, XXX the XXth. XXX is included as a business day. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received seller attesting to include XXX as a business for ROR timing - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 475985 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1640 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Closing | Mortgage/DOT notary acknowledgement is defective or incomplete | Resolved-XX/XX/XX - received DOT from origination signed and notarized XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXed on internal notes, it appears the XX/XX/XXXX versions were obtained because the original copies were not legible. Original attached. - Seller-XX/XX/XXXX Open-The Deed of Trust is notarized with a date of XX/XX/XXXX and the borrowers dated their signature on the DOT as XX/XX/XXXX. However, all other closing documents are hand dated XX/XX/XXXX and the closing date reflected on the Closing Disclosure is XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXed on internal notes, it appears the XX/XX/XXXX versions were obtained because the original copies were not legible. Original attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received DOT from origination signed and notarized XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475927 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491174 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491190 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491150 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475893 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497295 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491200 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475890 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497296 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3540 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( XX CFR §XXXX.XX(f)(X)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §XXXX.XX(f)(X)(ii), if the disclosures provided under §XXXX.XX(f)(X)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraSeller, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor XXX omit from inspection items related only to the seller's transaction. The revised CDs issued XX/XX/XXXX was received XX/XX/XXXX per the disclosure tracking history (pg XXX-XXX), which is after the consummation date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 497297 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491163 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503454 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491168 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475972 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 497298 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE4477 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Effective Date is After the Transaction Date | Resolved-Master Policy Effective Date of XX-XX-XXXX is Prior To or Equal To the Transaction Date of XX-XX-XXXX Or Master Policy Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received master policy effective XX/XX/XXXX-XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Master Policy for Condo Insurance - Seller-XX/XX/XXXX Open-Master Policy Effective Date of XX-XX-XXXX is After the Transaction Date of XX-XX-XXXX The commercial general liability and umbrella liability for the condo insurance policy in file is effective XX/XX/XXXX-XX/XX/XXX. Missing condo insurance policy effective at time of loan closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Master Policy for Condo Insurance - Seller-XX/XX/XXXX |
Resolved-Master Policy Effective Date of XX-XX-XXXX is Prior To or Equal To the Transaction Date of XX-XX-XXXX Or Master Policy Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received master policy effective XX/XX/XXXX-XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491194 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 507751 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE0019 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Residency Documentation is Missing | Resolved-XX/XX/XX - Perm Res ID provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing copy of Non-Permanent Resident card as required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Perm Res ID provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475992 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525038 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received executed final CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Correct signed CD attached. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received wrong executed CD. A CD for borrower, James Smith, and property in Hampton, GA provided in error, - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing the final CD executed by the borrower at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Correct signed CD attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed final CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491147 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475973 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497299 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497300 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475943 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475947 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 491189 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491173 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497301 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491176 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497302 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497303 | XXXX | XXXX | B | B | A | A | B | B | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Acknowledged-XX/XX/XXXX - received lender response: "Unable to Resolve" - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-Non Material accept EVX - Seller-XX/XX/XXXX Counter-XX/XX/XX - received duplicate signed, incomplete USA Patriot Act Info Forms with no ID info included. Please provide either a complete USA Act Info Form with ID info or the borrower IDs for both borrowers, no IDs were provided in the original image file. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XX - received duplicate signed, incomplete USA Patriot Act Info Forms with no ID info included. Please provide either a complete USA Act Info Form with ID info or the borrower IDs for both borrowers, no IDs were provided in the original image file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure USA Patriot Act Information Forms are in file pgs XX, XX. They are signed by the closing agent, but the ID information was not included. No IDs were provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Unable to Resolve-Unable to Resolve-Non Material accept EVX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XXXX - received lender response: "Unable to Resolve" - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | |||
| 497304 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received e-signed XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXXt form attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received e-signed XXXX signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475919 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491191 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497305 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491172 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 475993 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1263 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received ROR executed by the borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached both NORTCs. - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided No executed ROR evidencing the borrower had X business days to rescind the refinance was provided in the image file. There is a ROR signed by the non-borrowing spouse. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached both NORTCs. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received ROR executed by the borrower - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 475993 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Provide executed and notarized Name Affidavit for borrower(s). | Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Signature Affidavit executed by the borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Provide executed and notarized Name Affidavit There is only a Name Affidavit signed by the non-borrowing spouse. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Signature Affidavit executed by the borrower - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 491159 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497306 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Cure provided with PCCD - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-PCCD, LOE and payment history reflecting PR uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Transfers taxes increased from $XXX to $X,XXX.XX from the XXXeline LE to the final CD without a valid COC. The loan amount increased from $XXX,XXX to $XXX,XXX on XX/XX/XXXX, however the transfer taxes were not increased until the initial CD issued on XX/XX/XXXX. The final CD reflects an XXXX.XX lender credit to cure amount over tolerance, however the total amount over tolerance is $XXX.XX. Remaining amount due borrower is $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-PCCD, LOE and payment history reflecting PR uploaded. - Seller-XX/XX/XXXX |
Resolved-Cure provided with PCCD - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | ||||
| 497306 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD, LOE and payment history reflecting PR uploaded. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Transfers taxes increased from $XXX to $X,XXX.XX from the XXXeline LE to the final CD without a valid COC. The loan amount increased from $XXX,XXX to $XXX,XXX on XX/XX/XXXX, however the transfer taxes were not increased until the initial CD issued on XX/XX/XXXX. The final CD reflects an XXXX.XX lender credit to cure amount over tolerance, however the total amount over tolerance is $XXX.XX. Remaining amount due borrower is $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD, LOE and payment history reflecting PR uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | |||
| 503423 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497307 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491169 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1568 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan is QM/ATR Non-compliant | Resolved-ATR: Documentation Supporting ATR Factors Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received lender response: "the printout from the IRS site showing that it was still due, but it also showed that there was a balance due for the XXXX, XXXX and XXXX. The UW did not consider this as rolling delinquencies for all tax years just that there were some balances for those X years. XXXX was for $XXX.XX, XXXX $XXXX.XX and XXXX for $XXX which are pretty minimal and there is not an IRS Lien/Judgment against the applicant’s. All of these were paid off at closing." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-the ATR or the ability to repay would have to be documented if they were under a payment agreement with being included in the DTI and history of on time payments. since the That is when they gave me the printout from the IRS site showing that it was still due, but it also showed that there was a balance due for the XXXX, XXXX and XXXX. The UW did not consider this as rolling delinquencies for all tax years just that there were some balances for those X years. XXXX was for $XXX.XX, XXXX $XXXX.XX and XXXX for $XXX which are pretty minimal and there is not an IRS Lien/Judgment against the applicant’s. All of these were paid off at closing - Seller-XX/XX/XXXX Open-ATR: Documentation Supporting ATR Factors is Missing Please provide UW analysis for rolling delinquencies for Federal Taxes with IRS. File documentation shows delinquencies form XXXX to XXXX. Paid at closing, however, no analysis of consideration for ATR purposes was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-the ATR or the ability to repay would have to be documented if they were under a payment agreement with being included in the DTI and history of on time payments. since the That is when they gave me the printout from the IRS site showing that it was still due, but it also showed that there was a balance due for the XXXX, XXXX and XXXX. The UW did not consider this as rolling delinquencies for all tax years just that there were some balances for those X years. XXXX was for $XXX.XX, XXXX $XXXX.XX and XXXX for $XXX which are pretty minimal and there is not an IRS Lien/Judgment against the applicant’s. All of these were paid off at closing - Seller-XX/XX/XXXX |
Resolved-ATR: Documentation Supporting ATR Factors Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received lender response: "the printout from the IRS site showing that it was still due, but it also showed that there was a balance due for the XXXX, XXXX and XXXX. The UW did not consider this as rolling delinquencies for all tax years just that there were some balances for those X years. XXXX was for $XXX.XX, XXXX $XXXX.XX and XXXX for $XXX which are pretty minimal and there is not an IRS Lien/Judgment against the applicant’s. All of these were paid off at closing." - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 503443 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE7551 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Divorce Decree | Resolved-XX/XX/XX - received lender response with updated XXXX, approval and XXXX removing alimony income, revised DTI at XX.XXX%: "The alimony appears to be an error as the file has no documentation or other commentary addressing it. It was not included on the initial application. Attached are updated docs removing the alimony." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The alimony appears to be an error as the file has no documentation or other commentary addressing it. It was not included on the initial application. Attached are updated docs removing the alimony. - Seller-XX/XX/XXXX Open-The Alimony income disclosed on the final XXXX was not verified. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The alimony appears to be an error as the file has no documentation or other commentary addressing it. It was not included on the initial application. Attached are updated docs removing the alimony. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received lender response with updated XXXX, approval and XXXX removing alimony income, revised DTI at XX.XXX%: "The alimony appears to be an error as the file has no documentation or other commentary addressing it. It was not included on the initial application. Attached are updated docs removing the alimony." - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 497308 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491186 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491193 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 507738 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-XX/XX/XX - PCA performed online WV tax records search and agrees to accept Berkeley County Sheriff's Tax Office print out of subject property taxes currently due as evidence of no other state tax liens outstanding for borrower X. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XX - received tax cert for Berkeley County showing property taxes for first half paid. Please provide evidence the State of WV tax lien for $X,XXX.XX does not belong to Borrower X or was paid in full. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Apologies, attached again. Page X is a comprehensive search for all outstanding tax debts associated with the subject property, showing the only amount due is $XXX.XX. Page X provides additional information on that payment, showing it is due XX/XX/XX and the first half of the assessment was already paid. - Seller-XX/XX/XXXX Counter-XX/XX/XX - no curative document uploaded - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The lien has been paid off, see attached records from county office confirming the next payment due XX/XX/XX is the only outstanding payment. - Seller-XX/XX/XXXX Open-Property Title Issue Title Report (pg XXX) reflects a State of West Virginia tax lien dated XX/XX/XX, in the amount of $X,XXX.XX, against SteSelleranie Wilson. No documentation provided reflecting it is not associated to borrower X and lien is not paid off on final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Apologies, attached again. Page X is a comprehensive search for all outstanding tax debts associated with the subject property, showing the only amount due is $XXX.XX. Page X provides additional information on that payment, showing it is due XX/XX/XX and the first half of the assessment was already paid. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. The lien has been paid off, see attached records from county office confirming the next payment due XX/XX/XX is the only outstanding payment. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - PCA performed online WV tax records search and agrees to accept Berkeley County Sheriff's Tax Office print out of subject property taxes currently due as evidence of no other state tax liens outstanding for borrower X. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 532582 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1360 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Paystubs Missing | Resolved-Borrower X Paystubs Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received borrowerX w2s, IRS w2 transcripts and personal tax returns along with Work Number verification. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Borrower's # X income and guidelines which stated that we XXX be able to calculate the income thru W-Xs, Written verification, personal tax returns. see attached documents which includes VOE, income calculator, W-Xs, Tax Returns and IRS transcripts - Seller-XX/XX/XXXX Counter-XX/XX/XX - received paystubs for borrowerX - still missing paystubs for borrowerX. A standalone WVOE is not acceptable per Client GLs. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per guidelines attached the most recent paystubs need to be less than XXX days old, oldest paystubs is dated from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX which is less than XXX days old, and they are still under guidelines. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Missing A written VOE was provided, however a written verification of employment as a standalone documentation is not acceptable. Missing paystubs covering most recent XX-day period - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Borrower's # X income and guidelines which stated that we XXX be able to calculate the income thru W-Xs, Written verification, personal tax returns. see attached documents which includes VOE, income calculator, W-Xs, Tax Returns and IRS transcripts - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Per guidelines attached the most recent paystubs need to be less than XXX days old, oldest paystubs is dated from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX which is less than XXX days old, and they are still under guidelines. - Seller-XX/XX/XXXX |
Resolved-Borrower X Paystubs Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received borrowerX w2s, IRS w2 transcripts and personal tax returns along with Work Number verification. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 497309 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497310 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491144 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Condominium) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Seller Condo Questionnaire provided, lender states subject is a condo versus PUD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review and/or escalate this exception to your team lead? Property is a Condominium project. please see attached documents. - Seller-XX/XX/XXXX Open-PUD Rider is Missing The senior lien DOT and Legal reflect property is a PUD not a Condo. The subject DOT was completed with a Condo Rider instead of PUD Rider. Please provide corrected DOT with PUD rider. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review and/or escalate this exception to your team lead? Property is a Condominium project. please see attached documents. - Seller-XX/XX/XXXX |
Resolved-The PUD Rider is Present or is Not Applicable (Property Type is Condominium) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Seller Condo Questionnaire provided, lender states subject is a condo versus PUD. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 526976 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497311 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 519313 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497312 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503421 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497313 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no fire damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Re-inspection report attached no damage been reported - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Re-inspection report attached no damage been reported - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no fire damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 497314 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 526977 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1159 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-XX/XX/XX - received prior policy effective XX/XX/XXXX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see previous and current HOI policy attached. - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Loan disbursed on XX/XX/XX. Please provide prior HOI effective XX/XX/XXXX to XX/XX/XXXX to show no gap in coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see previous and current HOI policy attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received prior policy effective XX/XX/XXXX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 497315 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497316 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497317 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for the borrower and non-borrower spouse - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC attached for borrower and non bwr's spouse signed and dated by both. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing No executed ROR evidencing the borrower had X business days to rescind the refinance was provided in the image file. The ROR in file is for the non-borrowing spouse - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC attached for borrower and non bwr's spouse signed and dated by both. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for the borrower and non-borrower spouse - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 497318 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503461 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491184 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1265 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received ROR executed by the borrower and non-borrower spouse - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC signed and dated by both borrowers. - Seller-XX/XX/XXXX Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form Please provide ROR for non-borrower spouse - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC signed and dated by both borrowers. - Seller-XX/XX/XXXX |
Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received ROR executed by the borrower and non-borrower spouse - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 491184 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD signed and dated by both borrowers. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure The final CD provided is not executed by the borrower and non-borrower spouse - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD signed and dated by both borrowers. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 503450 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received seller response, no final title provided to verify lien position: Seller: "This file is a HELOC which is not required a final title policy insurance also per Clear to Close Letter this uninsured 2nd mortgage Home Equity with not subordination. please see attached documents". - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This file is a HELOC which is not required a final title policy insurance also per Clear to Close Letter this uninsured 2nd mortgage Home Equity with not subordination. please see attached documents. - Seller-XX/XX/XXXX Open-Property Title Issue Please provide a final Title Policy reflecting the correct lien position for the subject loan dated XX/XX/XXXX. The loan file contains two Mortgage loans closed for the same borrower, subject property dated and same loan amount dated XX/XX/XXXX with a POA signed by spouse and the other dated XX/XX/XXXX signed by the Borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This file is a HELOC which is not required a final title policy insurance also per Clear to Close Letter this uninsured 2nd mortgage Home Equity with not subordination. please see attached documents. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received seller response, no final title provided to verify lien position: Seller: "This file is a HELOC which is not required a final title policy insurance also per Clear to Close Letter this uninsured 2nd mortgage Home Equity with not subordination. please see attached documents". - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 475961 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491142 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD signed and signed by our borrower attached. - Seller-XX/XX/XXXX Open-Final CD provided is not signed by the borrower - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD signed and signed by our borrower attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 497319 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 503464 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 475975 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 497320 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503459 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 491171 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 497321 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491149 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503442 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491155 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514100 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491180 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519300 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503437 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Second Home | Refinance | Cash Out - Other | ||||||||||||||||||
| 519294 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 491175 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received final CD signed by the borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD signed and dated by bwr - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing the final CD executed by the borrower at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD signed and dated by bwr - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received final CD signed by the borrower - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 526997 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507739 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XX - received an LOE from the borrower stating their home was far from the fire zone and provided pictures of the subject undamaged. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The borrower provided the attached. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The borrower provided the attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received an LOE from the borrower stating their home was far from the fire zone and provided pictures of the subject undamaged. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 525044 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503422 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503468 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507728 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503436 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503431 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503455 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503429 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503467 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503433 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 525031 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503466 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507752 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507729 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503456 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503446 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532577 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCRE1168 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-XX/XX/XX - received seller response, PCA agrees apply: "The coverage includes XX% Law and Ordinance Coverage, which DOES contribute towards rebuilding costs and should therefore be included in the coverage calculations." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The coverage includes XX% Law and Ordinance Coverage, which DOES contribute towards rebuilding costs and should therefore be included in the coverage calculations. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received seller response via email of incorrect reply/wrong loan - Finding re-opened - Due Diligence Vendor-XX/XX/XXXX Ready for Review-First mortgage balance is $XX,XXX.XX per VOM, subject mortgage is $XX,XXX, combined liens are $XXX,XXX.XX and dwelling coverage is $XXX,XXX. Coverage is sufficient. The policy shows additional other coverages, as well. - Seller-XX/XX/XXXX Open-Hazard policy reflects dwelling coverage that is less than the combined liens and cost to replace reflected on the appraisal. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The coverage includes XX% Law and Ordinance Coverage, which DOES contribute towards rebuilding costs and should therefore be included in the coverage calculations. - Seller-XX/XX/XXXX Ready for Review-First mortgage balance is $XX,XXX.XX per VOM, subject mortgage is $XX,XXX, combined liens are $XXX,XXX.XX and dwelling coverage is $XXX,XXX. Coverage is sufficient. The policy shows additional other coverages, as well. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received seller response, PCA agrees apply: "The coverage includes XX% Law and Ordinance Coverage, which DOES contribute towards rebuilding costs and should therefore be included in the coverage calculations." - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 532577 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for borrower and non-borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received seller response via email of incorrect reply/wrong loan - Finding re-opened - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached NORTC for borrower. Non-borrowing spouse was removed from title prior to transaction, borrower is the only individual on title. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing No executed ROR evidencing the borrower & non borrowing spouse had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Attached NORTC for borrower. Non-borrowing spouse was removed from title prior to transaction, borrower is the only individual on title. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for borrower and non-borrower - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 507730 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525046 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525033 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE0034 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Credit History and Liabilities Was Not Properly Considered | Resolved-XX/XX/XXXX- received borrower LOE stating REO was inherited in XXXX unimproved land and not sole owner, has no expenses associated with the property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see property taxes cert attached along with LOE from bwr explaining expenses from this vacant land. - Seller-XX/XX/XXXX Open-ATR: Credit History and Liabilities Was Not Properly Considered Missing documentation to verify taxes, hazard insurance for vacant land at XXXX Cedartown Molina FL - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see property taxes cert attached along with LOE from bwr explaining expenses from this vacant land. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX- received borrower LOE stating REO was inherited in XXXX unimproved land and not sole owner, has no expenses associated with the property. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 503451 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1623 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Final 1008 Uniform Underwriting and Transmittal Summary | Resolved-XX/XX/XX - received revised XXXX with subject lien and DTI of XX.XXX% and CLTV of XX.XXX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Please provide correct XXXX that reflects the subordinate financing as $XX,XXX and includes the subordinate subject loan payment with correct DTI an LTV/CLTV - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received revised XXXX with subject lien and DTI of XX.XXX% and CLTV of XX.XXX% - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615409 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507731 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3646 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | TRID Post-Consummation Event Validation Test | Acknowledged-XX/XX/XX - received lender's LOE: "This is the funder's reconciliation CD. It was delivered to the borrower through the same method as the consummation CD, as shown on page XXX of the binder, "Disclosure Tracking Details" PCA: The Disclosure Tracking Detail shows the PCCD was sent XX/XX/XX, which the same day as the consummation date. There is no further curative. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is the funder's reconciliation CD. It was delivered to the borrower through the same method as the consummation CD, as shown on page XXX of the binder, "Disclosure Tracking Details" - Seller-XX/XX/XXXX Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. PCCD is dated XX/XX/XX, loan closed on XX/XX/XXXX. Unable to determine whether the PCCD was provided to the borrower to include in testing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is the funder's reconciliation CD. It was delivered to the borrower through the same method as the consummation CD, as shown on page XXX of the binder, "Disclosure Tracking Details" - Seller-XX/XX/XXXX |
Acknowledged-XX/XX/XX - received lender's LOE: "This is the funder's reconciliation CD. It was delivered to the borrower through the same method as the consummation CD, as shown on page XXX of the binder, "Disclosure Tracking Details" PCA: The Disclosure Tracking Detail shows the PCCD was sent XX/XX/XX, which the same day as the consummation date. There is no further curative. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | ||||
| 503424 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503434 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503452 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503432 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503448 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503439 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525040 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525048 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received the PO statement showing $X owed with intent to close the account. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached payoff showing $X owed and borrower's request to close the account. - Seller-XX/XX/XXXX Open-Property Title Issue The CBR page XX shows Second Mortgage Home Equity Loan, Line of Credit dated XX/XX/XXXX with a $X.XX balance, however The Title in file is still showing as a lien on Page XXX. Please provide an updated Title showing the lien has been released and removed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached payoff showing $X owed and borrower's request to close the account. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received the PO statement showing $X owed with intent to close the account. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 507732 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503441 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 519301 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503457 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526971 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525028 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514115 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503449 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507740 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-XX/XX/XX - E&O provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached. - Seller-XX/XX/XXXX Open-Missing the E&O -Warranty Transaction Certificate - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - E&O provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 507733 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 552336 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503438 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526990 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507754 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1624 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Final Closing Disclosure compliance testing is incomplete. Additional Findings XXX apply upon receipt and review. | Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing executed copy of final CD. Used unexecuted copy (pg XXX) for preliminary compliance testing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 503462 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 519306 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCOM1232 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX received final XXXX esigned XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final XXXX executed uploaded. - Seller-XX/XX/XXXX Open-The Final XXXX is Missing The final signed XXXX was not signed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final XXXX executed uploaded. - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX received final XXXX esigned XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 526972 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525042 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519303 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507746 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 525045 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503458 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507734 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514108 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1316 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received VVOE for BX dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. VVOE uploaded. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing Missing VVOE prior to Close for BX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. VVOE uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received VVOE for BX dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 514108 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1347 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received VVOE for BX dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. VVOE BX uploaded. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing Missing VVOE prior to Close for BX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. VVOE BX uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received VVOE for BX dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 503419 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503445 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503463 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 503440 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514101 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507747 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 526983 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 514111 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503426 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532589 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-XX/XX/XX - received executed PUD Rider - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing the executed PUD Rider prepared with the Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed PUD Rider - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 514118 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514116 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514104 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514109 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514121 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514110 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507735 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 503427 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525037 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514099 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507741 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526989 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514122 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532596 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525039 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545233 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received HOI dec page with "Full Value Repl" - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Coverage includes Full Value Replacement, see attached. - Seller-XX/XX/XXXX Open-Provide evidence of Guaranteed Replacement Coverage. Hazard policy reflects dwelling coverage that is less than the combined liens and cost to replace reflected on the appraisal. No RCE from insurer was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Coverage includes Full Value Replacement, see attached. - Seller-XX/XX/XXXX |
Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received HOI dec page with "Full Value Repl" - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 571818 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507748 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514113 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552341 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519302 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514107 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526995 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526993 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507736 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 507753 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525035 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507745 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 519297 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM9564 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-XX/XX/XX - received executed ROR with transaction date of XX/XX/XX and expiration date of XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. NORTC uploaded. - Seller-XX/XX/XXXX Open-No executed ROR evidencing the borrower had X business days to rescind the refinance was provided in the image file. The ROR in file is dated XX/XX/XXXX with a cancel ate of XX/XX/XXXX and was signed by BX and Non-Borrower on XX/XX/XXXX. The loan was not closed until XX/XX/XXXX as verified by the Final Closing CD and Mortgage in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. NORTC uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed ROR with transaction date of XX/XX/XX and expiration date of XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 519310 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507749 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 519308 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507742 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514120 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507750 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519298 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507743 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507727 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526986 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 507737 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545252 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532575 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525036 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519307 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519305 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532592 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545224 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525029 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514103 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514123 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526975 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532578 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-XX/XX/XX - received executed PUD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see PUD rider attached. - Seller-XX/XX/XXXX Open-A PUD Rider was not attached with the subject mortgage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see PUD rider attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed PUD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 514106 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525043 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514117 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514124 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514114 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514112 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532598 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532591 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received complete ICD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing page X of X for the Initial Closing Disclosure providing disclosed TOP, Fin Chg., APR and TIP - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received complete ICD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 532591 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCRE1115 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | A | A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received corrected and initialed notary acknowledgement - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Correction from notary attached. - Seller-XX/XX/XXXX Open-Security Instrument Date is greater than the transaction date of XX-XX-XXXX The Notary Acknowledgement is dated of XX/XX/XXXX rather than XX/XX/XXXX. Please provide a corrected Acknowledgement from the Notary. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Correction from notary attached. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received corrected and initialed notary acknowledgement - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 564530 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571819 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532587 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 514102 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519309 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545216 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526998 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526996 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL1039 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Value | Appraised value unsupported | Resolved-XX/XX/XX - received complete desk review with value of $XXXk - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see a complete Desk Review & appraisal report attached. - Seller-XX/XX/XXXX Open-The Desk Review provided is missing the property valuation pages. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see a complete Desk Review & appraisal report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received complete desk review with value of $XXXk - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 525034 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO1136 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is XXXis (Primary Value) | Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Form XXX provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please clarify; XXXXD states "Fencing has been installed around the above ground pool and there are no safety issues." - Seller-XX/XX/XXXX Counter-No curative provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Completion report attached. - Seller-XX/XX/XXXX Open-Primary Value Subject Property Appraisal is not on an As-Is XXXis The report is "subject to" due to the pool damage from hurricane Helene. A final inspection was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please clarify; XXXXD states "Fencing has been installed around the above ground pool and there are no safety issues." - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Completion report attached. - Seller-XX/XX/XXXX |
Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Form XXX provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 545249 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519304 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM2340 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | CD: General Form Requirements Not Met | Resolved-XX/XX/XX - received signed Final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Consummation closing disclosure uploaded. - Seller-XX/XX/XXXX Open-CD: General Form Requirements Not Met Please provide the final CD signed at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Consummation closing disclosure uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received signed Final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 564531 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519295 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526984 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519296 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552343 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525041 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532584 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545221 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL2477 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-XX/XX/XX - complete appraisal provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see complete appraisal report attached. - Seller-XX/XX/XXXX Open-Missing page X of Appraisal - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see complete appraisal report attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - complete appraisal provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 526982 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526981 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received complete ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete XX/XX CD attached, including pg X. - Seller-XX/XX/XXXX Counter-XX/XX/XX - curative not provided. Still missing page X of the initial CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached all CDs and tracking information. - Seller-XX/XX/XXXX Open-Missing page X of the Initial CD stating the Loan Calculations & Other Disclosures dated XX/XX/XXXX. Additional findings XXX apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Complete XX/XX CD attached, including pg X. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Attached all CDs and tracking information. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received complete ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 545225 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526992 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545212 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532588 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526991 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525027 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532595 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526988 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532599 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587856 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 519299 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581586 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545236 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526978 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652264 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545232 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525047 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE0034 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Credit History and Liabilities Was Not Properly Considered | Resolved-ATR: Credit History and Liabilities Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - supporting REO free and clear/T&I docs provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached tax certs and LOE from borrower confirming no homeowner insurance or home located on either property. No evidence of any mortgages. - Seller-XX/XX/XXXX Open-ATR: Credit History and Liabilities Was Not Properly Considered Missing documentation for REOs located at XXXX Main St and XXXX XXX to support properties are free and clear and proof of taxes and insurance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached tax certs and LOE from borrower confirming no homeowner insurance or home located on either property. No evidence of any mortgages. - Seller-XX/XX/XXXX |
Resolved-ATR: Credit History and Liabilities Was Considered - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - supporting REO free and clear/T&I docs provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 525032 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564532 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received COC dated XX/XX/XX for increase to appraisal fee - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal Fee was disclosed on the initial and revised LEs as $XXX, however the the Appraisal Fee was reduced to $XXX on the initial CD, then then an additional Appraisal Fee was added on the revised CD issued XX/XX/XX without a valid COC. The reimbursement provided on the PCCD issued XX/XX/XX as a principal reduction is insufficient to cure to X% tolerance variance. Missing evidence the borrower was reimbursed an additional $XXX to cure the tolerance failure. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC dated XX/XX/XX for increase to appraisal fee - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 564532 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received COC dated XX/XX/XX for increase to appraisal fee - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review kindly one more time this exception? The original appraisal report came back with an unexpected value, then we submitted a new request for a 2nd appraisal report to make sure that property XXX reflect the correct fair value. the second appraisal report was signed and received on XX/XX/XXXX then a CD was generated no more than X business days after we received 2nd appraisal report. Please see attached documents which includes CD dated XX/XX/XX, valid COC, proof of delivery, original appraisal report dated XX/XX/XXXX and invoice. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Appraisal Fee was disclosed on the initial and revised LEs as $XXX, however the the Appraisal Fee was reduced to $XXX on the initial CD, then then an additional Appraisal Fee was added on the revised CD issued XX/XX/XX without a valid COC. The reimbursement provided on the PCCD issued XX/XX/XX as a principal reduction is insufficient to cure to X% tolerance variance. Missing evidence the borrower was reimbursed an additional $XXX to cure the tolerance failure. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review kindly one more time this exception? The original appraisal report came back with an unexpected value, then we submitted a new request for a 2nd appraisal report to make sure that property XXX reflect the correct fair value. the second appraisal report was signed and received on XX/XX/XXXX then a CD was generated no more than X business days after we received 2nd appraisal report. Please see attached documents which includes CD dated XX/XX/XX, valid COC, proof of delivery, original appraisal report dated XX/XX/XXXX and invoice. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC dated XX/XX/XX for increase to appraisal fee - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 571820 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526999 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564533 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552340 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545239 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526973 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545234 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571821 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 525030 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526979 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552339 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526987 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532594 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526980 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545253 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545227 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594916 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526985 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615411 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 532581 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532579 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564534 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526974 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532583 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532576 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 526994 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552342 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1220 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed DOT and PUD Rider - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see correct DOT and PUD rider attached. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing the Deed of Trust, loan terms were gleaned from the Note and Final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see correct DOT and PUD rider attached. - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed DOT and PUD Rider - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 552342 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-XX/XX/XX - received executed DOT and PUD Rider - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see correct DOT and PUD rider attached. - Seller-XX/XX/XXXX Open-A PUD Rider was not prepared with the subject mortgage however the senior mortgage shows the subject is part of a PUD and the XXXX reflects monthly HOA payments. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see correct DOT and PUD rider attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed DOT and PUD Rider - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 532585 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545240 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545243 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1263 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for borrower X - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see NORTC from both borrowers attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided No executed ROR evidencing that borrower X had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see NORTC from both borrowers attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for borrower X - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 552347 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FPRO0001 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Property | HOA General | Resolved-XX/XX/XX - received Limited Review Condo Questionnaire attesting project meets requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Questionnaire Condominium attached which would consider a proof of warrantable Condo. or please kindly advise what other documents would be required to clear exception. - Seller-XX/XX/XXXX Open-The Condo Association is in Litigation against the developer for improvement and repair issues per letter from Attorney page XXX and court documents in file. Missing documents that Condo is warrantable. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Questionnaire Condominium attached which would consider a proof of warrantable Condo. or please kindly advise what other documents would be required to clear exception. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received Limited Review Condo Questionnaire attesting project meets requirements - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 545215 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571822 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552338 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564535 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE7569 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Debt | Mortgage history for primary residence less than 12 months | Resolved-XX/XX/XX - received FCD for primary reflecting PITIA at $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached CD for primary residence, escrow included. - Seller-XX/XX/XXXX Open-Missing mortgage documentation for the primary new residence to confirm PITIA. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached CD for primary residence, escrow included. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received FCD for primary reflecting PITIA at $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 532597 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557011 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552337 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545245 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545246 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552345 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571823 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545241 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608032 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571824 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532574 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545218 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564536 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545217 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545231 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545214 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594917 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564537 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545242 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564538 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571825 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed XXXX-c for both borrowers - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-C executed at application and closing for BorrowerX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed XXXX-c for both borrowers - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 571825 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1364 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed XXXX-c for both borrowers - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-C executed at application and closing for BorrowerX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed XXXX-c for both borrowers - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 557015 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 545250 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557005 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545251 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552344 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545248 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 552335 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545226 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545223 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545237 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 532586 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557013 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564539 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602625 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545228 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594918 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1118 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Borrower X Signature matches Note - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received complete copy of DOT with required signatures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Borrower X Signature does not match Note The borrower's signature and notary page are missing from the Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Signature matches Note - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received complete copy of DOT with required signatures. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 594918 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1030 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received privacy policy disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CA loan - Seller-XX/XX/XXXX Open-Missing the Federal Privacy Notice - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. CA loan - Seller-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received privacy policy disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 545220 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557010 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-47 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-XX/XX/XX - received revised RORs and re-opened rescission to expire XX/XX/XX, executed XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see a new NORTC attached, signed and dated by both bwrs, proof of delivery and letter - Seller-XX/XX/XXXX Open-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 XXX 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. The subject loan disbursement date is XX/XX/XXXX. The Note is dated XX/XX/XXXX however the Security Instrument was not signed and notarized until XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see a new NORTC attached, signed and dated by both bwrs, proof of delivery and letter - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received revised RORs and re-opened rescission to expire XX/XX/XX, executed XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 571826 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1232 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received final XXXX e-signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. signed copy attached - Seller-XX/XX/XXXX Open-The Final XXXX is Missing Missing the executed Final XXXX, none was provided in the image file, some data gleaned from either the initial XXXX or other credit documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. signed copy attached - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received final XXXX e-signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 571826 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing Missing the executed ROR evidencing the borrower had X business days to rescind the refinance transaction. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX |
The executed RTC was not provided for both borrowers. | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||
| 545247 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630495 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557022 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557012 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564540 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581587 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 545238 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587858 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564541 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564542 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557017 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557007 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564543 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594919 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Second Home | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 545219 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557019 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557009 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564544 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 545222 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564545 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564546 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 545230 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564547 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 545235 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545229 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557021 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594920 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581588 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571827 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587859 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 602626 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557008 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564548 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 564549 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCRE1620 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-XX/XX/XX - received wet signed initial LE, revised LE, initial CD and final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The disclosures were wet-signed by the borrowers, please see the attached email with details. - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. No e-sign agreement is provided in the image file. The Disclosure Tracking Summary (pg XXX) and Disclosure Tracking Details (pg XXX) reflect the initial CD was sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The disclosures were wet-signed by the borrowers, please see the attached email with details. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received wet signed initial LE, revised LE, initial CD and final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 564549 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received ICD dated XX/XX/XX, per Seller, sent XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached is a copy of the CD sent XX/XX per internal disclosure tracking. This CD shows the issue date as XX/XX, but internal tracking lists the date as XX/XX. This is the same document indicated in the Disclosure Tracking Summary referenced. - Seller-XX/XX/XXXX Open-Missing the revised CD issued on XX/XX/XX and received by the borrowers on XX/XX/XX, per the Disclosure Tracking Summary (pg XXX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached is a copy of the CD sent XX/XX per internal disclosure tracking. This CD shows the issue date as XX/XX, but internal tracking lists the date as XX/XX. This is the same document indicated in the Disclosure Tracking Summary referenced. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD dated XX/XX/XX, per Seller, sent XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 564550 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 545213 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571828 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608021 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571829 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557016 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 545244 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564551 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564552 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594921 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557004 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594922 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557024 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 564553 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564554 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 571830 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587860 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581589 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 564555 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564556 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1232 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received final e-signed XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see final XXXX attached signed and dated by both borrowers. - Seller-XX/XX/XXXX Open-The Final XXXX is Missing The executed Final XXXX was not provided in the image file, some data gleaned from either the initial XXXX or other credit documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see final XXXX attached signed and dated by both borrowers. - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received final e-signed XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 571831 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564557 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564558 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557014 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557020 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564559 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564560 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 587861 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 587862 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594923 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602627 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571832 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564561 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615430 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587863 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 564562 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587864 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564563 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564564 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557023 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608033 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557006 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615402 | XXXX | XXXX | C | A | B | A | C | A | N/A | N/A | Closed | FCRE1183 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-XX/XX/XXXX - received amended XXXX with correct senior P&I - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see an update XXXX showing corrections on the Senior lien P&I amount. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The XXXX P&I payment for the senior loan does not match the Note or VOM. The senior P&I payment reflected on the XXXX is $X,XXX.XX vs the origination Note which reflects the payment as $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see an update XXXX showing corrections on the Senior lien P&I amount. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received amended XXXX with correct senior P&I - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 594924 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571833 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587865 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581590 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 564565 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630496 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594925 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 557018 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571834 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571835 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571836 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571837 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581591 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 571838 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 564566 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571839 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594926 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 571840 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630497 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-Resolved - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 630497 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-Resolved - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 602628 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587866 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581592 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 581593 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 571841 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594927 | XXXX | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1183 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received corrected XXXX and XXXX along with documentation supporting MI and escrow shortage amounts. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur regarding 1st mtg payment, updates attached. The $XX.XX other payment is the sum of the monthly MI of $XX.XX (on VOM) and the escrow shortage ($XXX.XX / XX = $XX.XX, documented on the attached) - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The XXXX reflects the 1st mortgage payment incorrectly as $XXX.XX. The P&I payment per the VOR is $XXX.XX. The XXXX has an "other payment" for $XX.XX which wasn't verified in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur regarding 1st mtg payment, updates attached. The $XX.XX other payment is the sum of the monthly MI of $XX.XX (on VOM) and the escrow shortage ($XXX.XX / XX = $XX.XX, documented on the attached) - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received corrected XXXX and XXXX along with documentation supporting MI and escrow shortage amounts. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 581594 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 587867 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 594928 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594929 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571842 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581595 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE7009 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-XX/XX/XX - received evidence of replacement cost coverage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The policy does include XXX% replacement cost, see attached policy and email from insurer confirming this coverage. - Seller-XX/XX/XXXX Open-Hazard policy reflects dwelling coverage is less than the total the combined liens and no cost to re-build was provided or extended replacement cost coverage reflected on the policy. Combined loan amount is $XXX,XXX and coverage per insurance policy is $XXXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The policy does include XXX% replacement cost, see attached policy and email from insurer confirming this coverage. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received evidence of replacement cost coverage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 608026 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594930 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 594931 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 615437 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630498 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571843 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615401 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594932 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1494 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Qualifying Payment Not Properly Considered | Resolved-XX/XX/XX - received seller response stating XXXX commentary explains the Other payment is escrow shortage and USDA fee for 1st mortgage. Supporting docs provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached, XXXX commentary explains the Other payment is escrow shortage and USDA fee for 1st mortgage. Docs attached. - Seller-XX/XX/XXXX Open-ATR: Subject PITIA Not Considered - Please provide clear breakdown for Other amount of $XXX.XX included in PITIA for subject on the XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached, XXXX commentary explains the Other payment is escrow shortage and USDA fee for 1st mortgage. Docs attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received seller response stating XXXX commentary explains the Other payment is escrow shortage and USDA fee for 1st mortgage. Supporting docs provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 602629 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581596 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 581597 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 587868 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581598 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 581599 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 587869 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 608022 | XXXX | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1030 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 581600 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667395 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615438 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received title's Clear to Close - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The Clear To Close Certificate shows no further information was required regarding the judgement, indicating the matter was resolved prior to closing. - Seller-XX/XX/XXXX Open-Property Title Issue The Judgment reflected on the Title Search was not paid off prior to or at closing. Title item #X for $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The Clear To Close Certificate shows no further information was required regarding the judgement, indicating the matter was resolved prior to closing. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received title's Clear to Close - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615439 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571844 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571845 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608030 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594933 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 587870 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615435 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587871 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 594934 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615440 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615416 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581601 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608020 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Completed cure attached. - Seller-XX/XX/XXXX Open-The COC for increase to Points is dated XX/XX/XX however the revised LE was issued XX/XX/XX This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). A revised LE issued XX/XX/XXXX shows the Points increased from $XXX.XX to $X,XXX.XX, however no valid, written COC was provided in the image file. The COC dated XX/XX/XXXX was provided to the borrower four days after the change of circumstance, including XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Completed cure attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 608020 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3529 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Completed cure uploaded. - Seller-XX/XX/XXXX Open-The COC for increase to Points is dated XX/XX/XX however the revised LE was issued XX/XX/XX This loan failed the revised loan estimate delivery date and changed circumstances date test. ( XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX CFR §XXXX.XX(e)(X)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count XXXed on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. A revised LE issued XX/XX/XXXX shows the Points increased from $XXX.XX to $X,XXX.XX, however no valid, written COC was provided in the image file. The COC dated XX/XX/XXXX was provided to the borrower four days after the change of circumstance, including XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Completed cure uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 608020 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Completed cure uploaded. - Seller-XX/XX/XXXX Open-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. A revised LE issued XX/XX/XXXX shows the Points increased from $XXX.XX to $X,XXX.XX, however no valid, written COC was provided in the image file. The COC dated XX/XX/XXXX was provided to the borrower four days after the change of circumstance, including XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Completed cure uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 608020 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Completed cure uploaded. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. A revised LE issued XX/XX/XXXX shows the Points increased from $XXX.XX to $X,XXX.XX, however no valid, written COC was provided in the image file. The COC dated XX/XX/XXXX was provided to the borrower four days after the change of circumstance, including XXX. Missing evidence the borrower was reimbursed $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Completed cure uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 594935 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 602630 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581604 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571846 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 581605 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 581606 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 577535 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615441 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM5991 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Other Required mortgage rider | Resolved-XX/XX/XX - received complete recorded DOT with all Riders - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Manufactured Home Affidavit of Affixation with Deed of Trust - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received complete recorded DOT with all Riders - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 577536 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608029 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 581607 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 587872 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630499 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1360 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Paystubs Missing | Resolved-Borrower X Paystubs Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received BX paystubs - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Paystubs Missing Missing paystubs covering most recent XX-day period. There are no paystubs provided in file for BX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Paystubs Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received BX paystubs - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 630499 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1167 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-XX/XX/XXXX - TD Received updated/revised policy with additional coverage to meet minimum requirement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Coverage was increased to meet guidelines, see attached. - Seller-XX/XX/XXXX Open-Hazard Insurance coverage is less than the Subject liens and Replacement cost estimator by insurer was not provided - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Coverage was increased to meet guidelines, see attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received updated/revised policy with additional coverage to meet minimum requirement. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 587873 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 602631 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE0032 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-XX/XX/XX - received updated/revised XXXX, lender approval, income calculation and XXXX from seller stating "Updated American Education payment. Updated borrower's income to use hourly rather than YTD+X year average. Updated PITIA to remove unnecessary escrow shortage, as taxes/insurance exceed the escrow amount. New DTI is XX.X%." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Corrections attached. Updated American Education payment. Updated borrower's income to use hourly rather than YTD+X year average. Updated PITIA to remove unnecessary escrow shortage, as taxes/insurance exceed the escrow amount. New DTI is XX.X%. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements DTI of XX.XX% exceeds guideline DTI of XX.XX%. Guidelines for student loans require the greater of X% of the loan balance or actual documented payment be included in qualifying. The American Education student loan with a balance of $XX,XXX has a monthly scheduled payment of $XXX per credit report in file. Lender incorrectly used X% of the balance ($XXX) as the qualifying payment for this debt instead of the higher documented payment amount. This causes the DTI to increase from XX.XXX% to XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Corrections attached. Updated American Education payment. Updated borrower's income to use hourly rather than YTD+X year average. Updated PITIA to remove unnecessary escrow shortage, as taxes/insurance exceed the escrow amount. New DTI is XX.X%. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received updated/revised XXXX, lender approval, income calculation and XXXX from seller stating "Updated American Education payment. Updated borrower's income to use hourly rather than YTD+X year average. Updated PITIA to remove unnecessary escrow shortage, as taxes/insurance exceed the escrow amount. New DTI is XX.X%." - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 602631 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-XX/XX/XX - received updated/revised XXXX, lender approval, income calculation and XXXX from seller stating "Updated American Education payment. Updated borrower's income to use hourly rather than YTD+X year average. Updated PITIA to remove unnecessary escrow shortage, as taxes/insurance exceed the escrow amount. New DTI is XX.X%." - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see other finding, documentation and commentary attached. - Seller-XX/XX/XXXX Open-DTI of XX.XX% exceeds guideline DTI of XX.XX%. Guidelines for student loans require the greater of X% of the loan balance or actual documented payment be included in qualifying. The American Education student loan with a balance of $XX,XXX has a monthly scheduled payment of $XXX per credit report in file. Lender incorrectly used X% of the balance ($XXX) as the qualifying payment for this debt instead of the higher documented payment amount. This causes the DTI to increase from XX.XXX% to XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please see other finding, documentation and commentary attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received updated/revised XXXX, lender approval, income calculation and XXXX from seller stating "Updated American Education payment. Updated borrower's income to use hourly rather than YTD+X year average. Updated PITIA to remove unnecessary escrow shortage, as taxes/insurance exceed the escrow amount. New DTI is XX.X%." - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 587874 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587875 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Second Home | Refinance | Cash Out - Other | ||||||||||||||||||
| 587876 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587877 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 577537 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed XXXX-c - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-C executed at application and closing for BorrowerX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed XXXX-c - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 602632 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCOM8972 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust Riders | Resolved-XX/XX/XX - received complete copy of DOT with missing rider attached. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete copy attached. - Seller-XX/XX/XXXX Open-Missing the Manufactured Home Affidavit of Affixation prepared and executed with the DOT provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Complete copy attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received complete copy of DOT with missing rider attached. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 602632 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCRE1167 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-XX/XX/XX - received comment from seller stating "The coverage includes replacement cost coverage, see page X "MH Replacement Cost." MH stands for manufactured home." Though policy does not state "guaranteed replacement" we will accept it as such since it is reflected as an endorsement on the policy. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The coverage includes replacement cost coverage, see page X "MH Replacement Cost." MH stands for manufactured home. - Seller-XX/XX/XXXX Open-Hazard policy reflects dwelling coverage of $XXX,XXX that is less than the combined liens of $XXX,XXX.XX and cost to replace reflected on the appraisal is noted by the appraiser not to be used for insurance purposes. No determination of replacement cost or guaranteed replacement coverage is noted. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The coverage includes replacement cost coverage, see page X "MH Replacement Cost." MH stands for manufactured home. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received comment from seller stating "The coverage includes replacement cost coverage, see page X "MH Replacement Cost." MH stands for manufactured home." Though policy does not state "guaranteed replacement" we will accept it as such since it is reflected as an endorsement on the policy. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 608034 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1441 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-XX/XX/XXXX - received evidence the judgment was not the borrower's - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The judgment was delivered to XXX at XXX XXX Ln, XXXX, XX XXXX. Credit records show the borrower has no history at that address. The borrower's address at that time was the subject property. - Seller-XX/XX/XXXX Open-- File contains a copy of a judgment issued in XXXX- please provide proof of payment or a copy of borrower's affidavit certifying a similar name only. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The judgment was delivered to XXX at XXX XXX Ln, Lawrenceburg, TN XXXX. Credit records show the borrower has no history at that address. The borrower's address at that time was the subject property. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received evidence the judgment was not the borrower's - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 608034 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1479 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX- received LOE for XXXX deposit - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements - Deposit of $X,XXX into Checking Account XXX-X documentation was not sourced. Please provide acceptable source of funds as needed for cash to close. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX- received LOE for XXXX deposit - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 608034 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1455 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-XX/XX/XXXX - received X months bank statements for #XXX dated XX/XX/XX and XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached two months. - Seller-XX/XX/XXXX Open-Asset X Less Than X Months Verified - Please provide full XX day history for Checking Account #XXX-X as file documents only XX/XX/XX-XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached two months. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received X months bank statements for #XXX dated XX/XX/XX and XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 608034 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1480 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX lender provided website snip stating tax refund deposited to account - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This deposit was a tax refund, see attached. - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements - Please provide acceptable source of funds for deposit of $X,XXX.XX on XX/XX/XX into Checking Account XXX-XX as needed for cash to close. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This deposit was a tax refund, see attached. - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX lender provided website snip stating tax refund deposited to account - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 608034 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with additional $XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with additional $XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. completed cure attached. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Abstract/Title Search fee increased from $X to $XXX and the Notary fee increased from $XX to $XX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $XX to cure the X% tolerance variance. The final CD reflects a $XXX lender credit, however the borrower is still owed $XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. completed cure attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with additional $XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with additional $XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 608034 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with additional $XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Completed cure submitted on other finding. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Completed cure submitted on other finding. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with additional $XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 587878 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594936 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 608035 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE7569 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Debt | Mortgage history for primary residence less than 12 months | Resolved-XX/XX/XX - received pay history from XX/XXXX through XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing complete XX month mortgage history for first mortgage. Credit report (pg XXX) reflects payment history through XX/XXXX. VOM begins history with XX/XXXX. Missing history for XX/XXXX through XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received pay history from XX/XXXX through XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 587879 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 630500 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587880 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587881 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608036 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630501 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 577538 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 577539 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587882 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587883 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645218 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615403 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 577540 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - master policy provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Subject is also covered under a master policy for the association. - Seller-XX/XX/XXXX Open-Provide evidence of Guaranteed Replacement Coverage. The HOI coverage of $XXX,XXX is insufficient to cover total liens of $XXX,XXX.XX. No cost to rebuild was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Subject is also covered under a master policy for the association. - Seller-XX/XX/XXXX |
Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - master policy provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 659822 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594937 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 577541 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645219 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630502 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1015 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Qualifying CLTV exceeds Max CLTV (Primary Res, 700+ FICO) | Resolved-XX/XX/XXXX - received updated Seller on senior loan showing balance consistent with seller response: " The borrower made a monthly payment on XX/XX/XX,$XXXX.XX of which was applied to principal, reducing the first mortgage balance to $XXX. That was the loan balance Seller used to qualify the subject loan with a CLTV of XXX%." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The borrower made a monthly payment on XX/XX/XX,$XXXX.XX of which was applied to principal, reducing the first mortgage balance to $XXX. That was the loan balance Seller used to qualify the subject loan with a CLTV of XXX%. - Seller-XX/XX/XXXX Open-The Qualifying CLTV exceeds the Max CLTV allowed for: - Primary Residence - FICO of XXX or higher The CLTV is XXX%, which exceeds the guidelines max CLTV of XX%, XXXed on value of $XX, senior loan balance of $XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The borrower made a monthly payment on XX/XX/XX,$XXXX.XX of which was applied to principal, reducing the first mortgage balance to $XXX. That was the loan balance Seller used to qualify the subject loan with a CLTV of XXX%. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received updated Seller on senior loan showing balance consistent with seller response: " The borrower made a monthly payment on XX/XX/XX,$XXXX.XX of which was applied to principal, reducing the first mortgage balance to $XXX. That was the loan balance Seller used to qualify the subject loan with a CLTV of XXX%." - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 602633 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed NORTC. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing Missing the Right of Recission executed by the borrower. Only the one signed by the non-borrowing spouse was included in the loan file (pg XX-XX). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed NORTC. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 615442 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 577542 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587884 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 571847 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608024 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594938 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCOM7213 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Mortgage Riders incomplete / inaccurate | Resolved-XX/XX/XX - received Manufactured Home Affidavit of Affixation Rider. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Deed of Trust (pg X) reflects two riders (MH Rider and MH Affidavit of Affixation Rider). Missing Manufactured Home Affidavit of Affixation Rider. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received Manufactured Home Affidavit of Affixation Rider. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 594938 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1168 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-XX/XX/XX - received documentation reflecting policy includes full replacement cost. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The extended coverage is full value replacement, see the attached summary for the same policy and period which includes the "full value replacement" coverage. This appears to be a different only in the name assigned to the coverage on the different forms. - Seller-XX/XX/XXXX Open-Hazard policy reflects dwelling coverage ($XXX,XXX) that is less than the combined liens ($XXX,XXX) and cost to replace reflected on the appraisal ($XXX,XXX). Hazard policy indicates extended replacement cost coverage, but does not provide amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The extended coverage is full value replacement, see the attached summary for the same policy and period which includes the "full value replacement" coverage. This appears to be a different only in the name assigned to the coverage on the different forms. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received documentation reflecting policy includes full replacement cost. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 594939 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587885 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 577543 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615443 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645220 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3529 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved-XX/XX/XXXX - TD Received documentation that Seller does not include XXXs as a business day for TRID purposes. - Due Diligence Vendor-XX/XX/XXXX Counter- - Due Diligence Vendor-XX/XX/XXXX Counter- - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - Seller's Director Post Close stated "Yes" to both questions via email dated XX/XX/XXXX: X. Are your offices open for regular business on XXXs? Yes X. For purposes of counting the X business-day rule related to delivery of disclosures, are Sat - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document Uploaded. Could you please review final LE dated XX/XX/XX which is showing proof of delivered, valid COC, signature from bwr. changes on discount points were a valid change of circumstances. Seller does not open XXXs which is not consider a business day - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX CFR §XXXX.XX(e)(X)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count XXXed on the client preferences configured on the company settings business days profile page:As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. The revised LE was issued XX/XX/XXXX for the XX/XX/XXXX loan amount increase COC (pg XXX). Lender is open for business on XXXs so the revised LE must be provided by XX/XX/XXXX to meet the X business day redisclosure requirement. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Document Uploaded. Could you please review final LE dated XX/XX/XX which is showing proof of delivered, valid COC, signature from bwr. changes on discount points were a valid change of circumstances. Seller does not open XXXs which is not consider a business day - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received documentation that Seller does not include XXXs as a business day for TRID purposes. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645220 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - Seller's Director Post Close stated "Yes" to both questions via email dated XX/XX/XXXX: X. Are your offices open for regular business on XXXs? Yes X. For purposes of counting the X business-day rule related to delivery of disclosures, are XXXs included? Yes - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please be aware that our company does not open XXXs which is not a business day - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review final LE dated XX/XX/XX which is showing proof of delivered, valid COC, signature from bwr. changes on discount points were a valid change of circumstances. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Loan Discount Fee increased from XXX to XXX from the XXXeline LE to the Final CD due to the XX/XX/XXXX loan amount increase. The lender did not redisclose the revised LE detailing the higher discount point fees to the borrower until XX/XX/XXXX, which is outside X business days. Lender is open for business on XXXs so the revised LE must be provided by XX/XX/XXXX to meet the X business day redisclosure requirement. Missing evidence the borrower was reimbursed XXX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please be aware that our company does not open XXXs which is not a business day - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review final LE dated XX/XX/XX which is showing proof of delivered, valid COC, signature from bwr. changes on discount points were a valid change of circumstances. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645220 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - Seller's Director Post Close stated "Yes" to both questions via email dated XX/XX/XXXX: X. Are your offices open for regular business on XXXs? Yes X. For purposes of counting the X business-day rule related to delivery of disclosures, are Sat - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document Uploaded. Could you please review final LE dated XX/XX/XX which is showing proof of delivered, valid COC, signature from bwr. changes on discount points were a valid change of circumstances. Seller does not open XXXs which is not consider a business day - Seller-XX/XX/XXXX Open-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. The Loan Discount Fee increased from XXX to XXX from the XXXeline LE to the Final CD due to the XX/XX/XXXX loan amount increase. The lender did not redisclose the revised LE detailing the higher discount point fees to the borrower until XX/XX/XXXX, which is outside X business days. Lender is open for business on XXXs so the revised LE must be provided by XX/XX/XXXX to meet the X business day redisclosure requirement. Missing evidence the borrower was reimbursed XXX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Document Uploaded. Could you please review final LE dated XX/XX/XX which is showing proof of delivered, valid COC, signature from bwr. changes on discount points were a valid change of circumstances. Seller does not open XXXs which is not consider a business day - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645220 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - Seller's Director Post Close stated "Yes" to both questions via email dated XX/XX/XXXX: X. Are your offices open for regular business on XXXs? Yes X. For purposes of counting the X business-day rule related to delivery of disclosures, are Sat - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document Uploaded. Could you please review final LE dated XX/XX/XX which is showing proof of delivered, valid COC, signature from bwr. changes on discount points were a valid change of circumstances. Seller does not open XXXs which is not consider a business day - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. The Loan Discount Fee increased from XXX to XXX from the XXXeline LE to the Final CD due to the XX/XX/XXXX loan amount increase. The lender did not redisclose the revised LE detailing the higher discount point fees to the borrower until XX/XX/XXXX, which is outside X business days. Lender is open for business on XXXs so the revised LE must be provided by XX/XX/XXXX to meet the X business day redisclosure requirement. Missing evidence the borrower was reimbursed XXX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Document Uploaded. Could you please review final LE dated XX/XX/XX which is showing proof of delivered, valid COC, signature from bwr. changes on discount points were a valid change of circumstances. Seller does not open XXXs which is not consider a business day - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 630503 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594941 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 594942 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 577544 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 577545 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1623 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Final 1008 Uniform Underwriting and Transmittal Summary | Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Please provide a final XXXX that reflects the correct DTI. The P&I on the senior is $XXX.XX, however the XXXX reflects a P&I of $XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 594943 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587886 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630504 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667316 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XXXX - TD Received executed copy of final CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Consummation CD - Seller-XX/XX/XXXX Open-Missing executed copy of the Final Closing Disclosure signed at consummation. The Closing Disclosure provided in the image file is not executed, additional findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached Consummation CD - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received executed copy of final CD. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 587887 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 587888 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645221 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 577546 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX-Cs - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX-Cs - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 587889 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594944 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587890 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594945 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594946 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 587891 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587892 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602634 | XXXX | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1183 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Accepted lender explanation for amounts. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-USDA annual fee is X.XX% of the loan amount, so $XXX,XXX x X.XX% = $XXX.XX / XX = $XX.XX monthly. The additional amount XXX be a minor miscalculation, adjusting for which would lower the ratios. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Missing documentation to evidence the amount of the USDA monthly MI premium. The VOM (pg XXX) for the first lien reflects no MI, but that loan is USDA. Only the $XX.XX escrow shortage of the $XXX.XX "other fee" included in the PITIA is documented. The $XXX.XX difference is presumed to be the USDA monthly MI. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-USDA annual fee is X.XX% of the loan amount, so $XXX,XXX x X.XX% = $XXX.XX / XX = $XX.XX monthly. The additional amount XXX be a minor miscalculation, adjusting for which would lower the ratios. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Accepted lender explanation for amounts. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 594947 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE5102 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Foreclosure History does not meet guidelines | Resolved-XX/XX/XX - received corrected XXXX without the FC box checked and explanation from seller that it was marked in error. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This appears to have been selected in error, no credit records nor property records indicate any foreclosure within X years. Internal notes say borrower's most recent foreclosure was in XXXX. corrected XXXX attached. - Seller-XX/XX/XXXX Open-The final XXXX Section X, question L is marked as "yes" for a foreclosure within X years. Documentation was not provided to verify the dates of the foreclosure. Credit report and Drive report do not reflect any FC activity. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This appears to have been selected in error, no credit records nor property records indicate any foreclosure within X years. Internal notes say borrower's most recent foreclosure was in XXXX. corrected XXXX attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received corrected XXXX without the FC box checked and explanation from seller that it was marked in error. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 594948 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594949 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 577547 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608031 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 615428 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602635 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594950 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594951 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659803 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - TD Received PDI reflecting no damage to subject. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. FEMA reinspection uploaded, no damage note - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. FEMA reinspection uploaded, no damage note - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received PDI reflecting no damage to subject. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 659803 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1797 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Provider's List provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received SPL. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Service provider list uploaded - Seller-XX/XX/XXXX Open-Provide Service Provider's List. A Service Provider's List was not provided. Fees were paid to affiliate and tested at X% with no variance noted. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Service provider list uploaded - Seller-XX/XX/XXXX |
Resolved-Service Provider's List provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received SPL. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 594952 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587893 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608007 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602636 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 577548 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602637 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652252 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594953 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 587894 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602638 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587895 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594954 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659818 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587896 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587897 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630506 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602639 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602640 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with additional $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Completed cure attached. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX. Remaining amount owed borrower is $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Completed cure attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with additional $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 602640 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with additional $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with additional $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Completed cure attached. - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). Title and Settlement fees subject to XX% tolerance increased from XXX.XX to $XXX.XX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $XXX.XX to cure the XX% tolerance variance. The PCCD issued on XX/XX/XX reflects a principal reduction of $XX.XX as a partial cure, however the borrower is still owed $XXX.XX. The lender did not use the lender disclosed on the SPL, however they disclosed the fees in section B on the final CD, therefore the fees were tested at XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Completed cure attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with additional $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with additional $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 594955 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602641 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659790 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615444 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615398 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602642 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM6722 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Closing | Mortgage not properly executed | Resolved-XX/XX/XX - received copy of DOT executed by non-borrowing spouse. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing executed signature from Non Borrowing Title Holder on mortgage and rider. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received copy of DOT executed by non-borrowing spouse. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645222 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE0032 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-XX/XX/XXXX - TD Received document from County reflecting divorce decree order for alimony is satisfied and paystubs reflecting only child support being withheld from paystubs. Updated XXXX and XXXX with only child supported reflected. - Due Diligence Vendor-XX/XX/XXXX Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review this exception one more time? per documents obtained from the County records, our borrower had been satisfied with the divorce decree order, under which he was ordered to pay the XXXarate Maintenance expense for the amount of $XXX per month. We removed from the file's liability the amount, and the new DTI percentage is now below XX.XX%. Please see the attached County's record to support had been satisfied, also paystubs that support that he is only responsible to pay child support, the new XXXX form, the XXXX form, and non-Agency loan approval summary. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements DTI of XX% exceeds lender guideline DTI maximum of XX.XX%. The final XXXX (pg XX) indicates monthly HOA dues at $XXX/month. However, the HOA letter in file (pg XXX) indicates the monthly HOA dues will increase by XXX to XXX/month effective XX/XX/XXXX. Monthly HOA dues of XXX/month increases the DTI from XX% to XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please kindly review this exception one more time? per documents obtained from the County records, our borrower had been satisfied with the divorce decree order, under which he was ordered to pay the XXXarate Maintenance expense for the amount of $XXX per month. We removed from the file's liability the amount, and the new DTI percentage is now below XX.XX%. Please see the attached County's record to support had been satisfied, also paystubs that support that he is only responsible to pay child support, the new XXXX form, the XXXX form, and non-Agency loan approval summary. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received document from County reflecting divorce decree order for alimony is satisfied and paystubs reflecting only child support being withheld from paystubs. Updated XXXX and XXXX with only child supported reflected. - Due Diligence Vendor-XX/XX/XXXX Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645222 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-XX/XX/XXXX - TD Received document from County reflecting divorce decree order for alimony is satisfied and paystubs reflecting only child support being withheld from paystubs. Updated XXXX and XXXX with only child supported reflected. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited DTI of XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review this exception one more time? per documents obtained from the County records, our borrower had been satisfied with the divorce decree order, under which he was ordered to pay the XXXarate Maintenance expense for the amount of $XXX per month. We removed from the file's liability the amount, and the new DTI percentage is now below XX.XX%. Please see the attached County's record to support had been satisfied, also paystubs that support that he is only responsible to pay child support, the new XXXX form, the XXXX form, and non-Agency loan approval summary. - Seller-XX/XX/XXXX Open-DTI of XX% exceeds lender guideline DTI maximum of XX.XX%. The final XXXX (pg XX) indicates monthly HOA dues at $XXX/month. However, the HOA letter in file (pg XXX) indicates the monthly HOA dues will increase by XXX to XXX/month effective XX/XX/XXXX. Monthly HOA dues of XXX/month increases the DTI from XX% to XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please kindly review this exception one more time? per documents obtained from the County records, our borrower had been satisfied with the divorce decree order, under which he was ordered to pay the XXXarate Maintenance expense for the amount of $XXX per month. We removed from the file's liability the amount, and the new DTI percentage is now below XX.XX%. Please see the attached County's record to support had been satisfied, also paystubs that support that he is only responsible to pay child support, the new XXXX form, the XXXX form, and non-Agency loan approval summary. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received document from County reflecting divorce decree order for alimony is satisfied and paystubs reflecting only child support being withheld from paystubs. Updated XXXX and XXXX with only child supported reflected. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited DTI of XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615445 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615446 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608002 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602643 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594956 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | A | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Final CD reflects$XXXX cure for increase in Closing Cost above legal limit - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is$XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The borrower received a lender credit of$XXXX at closing for increase in Closing Cost above legal limit - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Final CD reflects$XXXX cure for increase in Closing Cost above legal limit - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is$XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The borrower received a lender credit of$XXXX at closing for increase in Closing Cost above legal limit - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 594956 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
Rescinded-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 594956 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-XX/XX/XXXX - received corrected, recorded DOT with recorded PUD Rider - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Correction signed and recorded. - Seller-XX/XX/XXXX Open-Missing PUD Rider attached to Deed of Trust. The appraiser noted that the Subject is located in a PUD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Correction signed and recorded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received corrected, recorded DOT with recorded PUD Rider - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645223 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608000 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602644 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594957 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594958 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594959 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645224 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1320 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | Resolved-XX/XX/XXXX - no curative provided, however loss used to qualify is minimal and DTI would likely remain within guidelines. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly escalate this discrepancy to your team lead or Spv since the XXXX reflects that our UW used XXXX loss to qualify the borrower also, please see Loan # XXXX_XXXX which had the pretty much the same discrepancy but when we explained and uploaded XXXX showing the Self-employment for almost XXk the reviewer cleared the exception. Please see attached screenshots. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received XXXX, however please provide the XXXX tax returns to verify no additional self-employment loss or evidence XXX LLC is no longer in business. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXX form attached reflecting negative income of -$XXX from the borrower self-employment XXX. - Seller-XX/XX/XXXX Open-Borrower X Personal Tax Returns Less Than XX Months Provided Missing XXXX tax returns to verify no additional self-employment loss or evidence XXX LLC is no longer in business. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please kindly escalate this discrepancy to your team lead or Spv since the XXXX reflects that our UW used XXXX loss to qualify the borrower also, please see Loan # XXXX_XXXX which had the pretty much the same discrepancy but when we explained and uploaded XXXX showing the Self-employment for almost XXk the reviewer cleared the exception. Please see attached screenshots. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXX form attached reflecting negative income of -$XXX from the borrower self-employment XXX. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - no curative provided, however loss used to qualify is minimal and DTI would likely remain within guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 587898 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594960 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615447 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615448 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630507 | XXXX | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE0032 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Waived-XX/XX/XXXX - received Waiver with comp factors: FICO over XXX, housing ration XX%, residual income XXX, X yrs employed current job - Due Diligence Vendor-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements The DTI of XX% exceeds the guidelines XX.XX% maximum DTO. The HOA for the borrower's REO atXXXX St for XXX.XX was not included in the other debts on the XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Waived-XX/XX/XXXX - received Waiver with comp factors: FICO over XXX, housing ration XX%, residual income XXX, X yrs employed current job - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | |||||
| 645225 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594961 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM5991 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Other Required mortgage rider | Resolved-XX/XX/XX - received Manufactured Home Affidavit of Affixation Rider attached to the Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing Manufactured Home Affidavit of Affixation Rider attached to the Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received Manufactured Home Affidavit of Affixation Rider attached to the Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 594962 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602645 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594963 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630508 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594964 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615449 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594965 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594966 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594967 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667396 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602646 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1231 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Initial 1003 is Missing | Resolved-XX/XX/XX - Received initial XXXX for Erin Nash. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing initial XXXX for Erin Nash. Initial XXXX for Hannah Nash is provided and combined final XXXX for both borrower is provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Received initial XXXX for Erin Nash. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 602646 | XXXX | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - Received signature page of final CD for Hannah Nash. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX/XX - Received signature page of final CD for Hannah Nash. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached addendum to consummation CD. - Seller-XX/XX/XXXX Open-Missing final CD executed and dated by Hannah Nash. Final CD provided (pg XXX) is only executed by Erin Nash. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached addendum to consummation CD. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Received signature page of final CD for Hannah Nash. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615432 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645226 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608015 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615414 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | FCRE1204 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Drive Report - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see an update Fraud report attached showing a Pass for AppVerify - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Please provide evidence of EPLS Search to clear alerts. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see an update Fraud report attached showing a Pass for AppVerify - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Drive Report - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615414 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | FCRE1206 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-XX/XX/XXXX - received revised Drive Report - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see an update Fraud report attached showing a Pass for AppVerify - Seller-XX/XX/XXXX Open-All Interested Parties Not Checked with Exclusionary Lists Please provide evidence of EPLS Search to clear alerts. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see an update Fraud report attached showing a Pass for AppVerify - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received revised Drive Report - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615414 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | FPRO0001 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Property | HOA General | Resolved-XX/XX/XX - received HOA statement confirming HOA dues - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Quarterly HOA statement attached. Per statement bwr pays $XXX.XX per quarter; $XXX.XX per yr and $XX.XX per month. - Seller-XX/XX/XXXX Open-Please provide documentation supporting HOA dues used in qualifying. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Quarterly HOA statement attached. Per statement bwr pays $XXX.XX per quarter; $XXX.XX per yr and $XX.XX per month. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received HOA statement confirming HOA dues - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615414 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with additional $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with additional $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review attached documents that includes PCCD, Pymt history showing a cure for the total amount of $XXX.XX plus a lender credit of $XX.XX which makes a total cure for$XXXX.XX which is the increase in transfer fees, also see a TRID spreadsheet showing that cure for$XXXX.XX is more than enough to cure exceeding fees in settlement charges. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Transfer Taxes increased from $X to$XXXX from the XXXeline LE to the Final CD without a valid written COC. Missing evidence the borrower was reimbursed$XXXX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review attached documents that includes PCCD, Pymt history showing a cure for the total amount of $XXX.XX plus a lender credit of $XX.XX which makes a total cure for$XXXX.XX which is the increase in transfer fees, also see a TRID spreadsheet showing that cure for$XXXX.XX is more than enough to cure exceeding fees in settlement charges. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with additional $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with additional $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615414 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with additional $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with additional $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review attached documents that includes PCCD, Pymt history showing a cure for the total amount of $XXX.XX plus a lender credit of $XX.XX which makes a total cure for$XXXX.XX which is the increase in transfer fees, also see a TRID spreadsheet showing that cure for$XXXX.XX is more than enough to cure exceeding fees in settlement charges. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX. Remaining due borrower is$XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review attached documents that includes PCCD, Pymt history showing a cure for the total amount of $XXX.XX plus a lender credit of $XX.XX which makes a total cure for$XXXX.XX which is the increase in transfer fees, also see a TRID spreadsheet showing that cure for$XXXX.XX is more than enough to cure exceeding fees in settlement charges. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with additional $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with additional $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615414 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | FCRE1494 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Qualifying Payment Not Properly Considered | Resolved-XX/XX/XXXX - received HOA statement confirming HOA dues - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Quarterly HOA statement attached. Per statement bwr pays $XXX.XX per quarter; $XXX.XX per yr and $XX.XX per month. - Seller-XX/XX/XXXX Open-ATR: Subject PITIA Not Considered Missing evidence of HOA dues - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Quarterly HOA statement attached. Per statement bwr pays $XXX.XX per quarter; $XXX.XX per yr and $XX.XX per month. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received HOA statement confirming HOA dues - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615414 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | |||||
| 615414 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | |||||
| 652265 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608037 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1145 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Warranty Transaction Cert (E&O) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-The O&E provided does not include an attached E&O - Warranty Transaction Certificate - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Warranty Transaction Cert (E&O) - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 608013 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630509 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608019 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594968 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 587899 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 594969 | XXXX | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1030 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received copy of Tracking Log reflecting Privacy Disclosure was sent within X days of application. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached, page X, second-to-last entry. Disclosure tracking shows the privacy notice was delivered with the initial disclosure package. - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached, page X, second-to-last entry. Disclosure tracking shows the privacy notice was delivered with the initial disclosure package. - Seller-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received copy of Tracking Log reflecting Privacy Disclosure was sent within X days of application. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645227 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.X% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received revised income worksheets and XXXX reflecting use of all XXXe income types (hourly rate, daily load stipend, night driver differential and weekend stipend) with new qualifying income of $XXXX/mo. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The Overtime was not utilized. Instead the UW added the other forms of XXXe pay including daily load stipend, night driver differential, etc (every source except overtime) to demonstrate YTD gross income of $XXX, averaging $XXX monthly. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - TD Received revised XXXX and income worksheets reflecting use of additional income. Unable to use OT as borrower only has X month history of receipt. Client guidelines require evidence of receipt of overtime or bonus income for at least two consecutive years in order to use. Borrower was previously self-employed and started current w2 employment on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur, file reworked to include additional income originally omitted as unnecessary. Taxes added, income added, DTI is now XX.XXX%. - Seller-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX.XX% DTI of XX.XX% exceeds program max of XX.XX%. The lender did not include the property taxes in the PITI calculation on the final XXXX (pg XXX). No documentation provided to evidence why they should not be included. Per the tax cert provided in the loan file (pg XXX) annual taxes are $XXX, taxes are current and the Loan Inquiry (pg XXX) reflects taxes were last paid XX/XX/XXXX from the escrow account. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The Overtime was not utilized. Instead the UW added the other forms of XXXe pay including daily load stipend, night driver differential, etc (every source except overtime) to demonstrate YTD gross income of $XXX, averaging $XXX monthly. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Concur, file reworked to include additional income originally omitted as unnecessary. Taxes added, income added, DTI is now XX.XXX%. - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.X% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received revised income worksheets and XXXX reflecting use of all XXXe income types (hourly rate, daily load stipend, night driver differential and weekend stipend) with new qualifying income of $XXXX/mo. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645227 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE0032 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received revised income worksheets and XXXX reflecting use of all XXXe income types (hourly rate, daily load stipend, night driver differential and weekend stipend) with new qualifying income of $XXXX/mo. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The Overtime was not utilized. Instead the UW added the other forms of XXXe pay including daily load stipend, night driver differential, etc (every source except overtime) to demonstrate YTD gross income of $XXX, averaging $XXX monthly. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - TD Received revised XXXX and income worksheets reflecting use of additional income. Unable to use OT as borrower only has X month history of receipt. Client guidelines require evidence of receipt of overtime or bonus income for at least two consecutive years in order to use. Borrower was previously self-employed and started current w2 employment on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Concur, file reworked to include additional income originally omitted as unnecessary. Taxes added, income added, DTI is now XX.XXX%. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements DTI of XX.XX% exceeds program max of XX.XX%. The lender did not include the property taxes in the PITI calculation on the final XXXX (pg XXX). No documentation provided to evidence why they should not be included. Per the tax cert provided in the loan file (pg XXX) annual taxes are $XXX, taxes are current and the Loan Inquiry (pg XXX) reflects taxes were last paid XX/XX/XXXX from the escrow account. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The Overtime was not utilized. Instead the UW added the other forms of XXXe pay including daily load stipend, night driver differential, etc (every source except overtime) to demonstrate YTD gross income of $XXX, averaging $XXX monthly. - Seller-XX/XX/XXXX Ready for Review-Concur, file reworked to include additional income originally omitted as unnecessary. Taxes added, income added, DTI is now XX.XXX%. - Seller-XX/XX/XXXX |
Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received revised income worksheets and XXXX reflecting use of all XXXe income types (hourly rate, daily load stipend, night driver differential and weekend stipend) with new qualifying income of $XXXX/mo. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 608025 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608038 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645228 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645229 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608006 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602647 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615450 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602648 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602649 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XX - Received PDI with inspection date of XX/XX/XX reflecting no damage to subject property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Inspection attached, no damage. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Inspection attached, no damage. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Received PDI with inspection date of XX/XX/XX reflecting no damage to subject property. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 652266 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602650 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608003 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608014 | XXXX | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1030 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 602651 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602652 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630510 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608012 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602653 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602654 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630511 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630512 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667397 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594970 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645230 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602655 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602656 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594971 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 645231 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602657 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 602658 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615451 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | A | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The borrower received a lender credit of $XXX on XX/XX/XXXX as a Principal Reduction for exceeding limits on P.O.C Lender - Due Diligence Vendor-XX/XX/XXXX |
Rescinded-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The borrower received a lender credit of $XXX on XX/XX/XXXX as a Principal Reduction for exceeding limits on P.O.C Lender - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 615451 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1659 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Income/Employment | Rental income not correctly calculated, documented, entered or rationalized | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX/XXXX - TD Received Attestation letter from Seller, proof of taxes on investment property, acceptable documentation of likely HOI, XXXed on Seller Escrow Admin calculation and then grossed up XX%, as well as updated XXXX and XXXX reflecting corrected PITI for investment property (not subject property) located at XXXX XXXX Dr. Revised DTI is XX.XX%, which is less than program max of XX.XX%. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review an attestation letter and attached documents? We were unable to obtain monthly statement or proof of property taxes and HOI policy from REO property due to bwr refused to submit missing information, Also the attached documents include screenshot from our escrow admon showing how much would be the property taxes for the REO, RealQuest information for property taxes, update loan approval, XXXX form, and final XXXX showing corrections for REO. - Seller-XX/XX/XXXX Open-Missing verification that Shellpoint Mortgage payment of $XXX includes taxes and insurance, for XXXX XXXX Dr, XXX, XX or evidence of monthly amount of taxes and insurance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please kindly review an attestation letter and attached documents? We were unable to obtain monthly statement or proof of property taxes and HOI policy from REO property due to bwr refused to submit missing information, Also the attached documents include screenshot from our escrow admon showing how much would be the property taxes for the REO, RealQuest information for property taxes, update loan approval, XXXX form, and final XXXX showing corrections for REO. - Seller-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 615451 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1764 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-XX/XX/XXXX - received timeshare evidence for mortgage trade. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached document that describe that XXXX is a timeshare and not an actually a property. the debt was included in the total bwr's expenses in the final XXXX. - Seller-XX/XX/XXXX Open-Credit report (pg XXX) reflects a mortgage loan in favor of XXX, loan #XXXX, opened XX/XX with payment $XXX and balance $XXXX. Missing documentation evidencing what property this loan is associated with. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached document that describe that LVT TowerXXHGV is a timeshare and not an actually a property. the debt was included in the total bwr's expenses in the final XXXX. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received timeshare evidence for mortgage trade. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645232 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602659 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608039 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 602660 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615452 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615434 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1145 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received O&E - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Prior copy was for a different file, attached should be the required doc. - Seller-XX/XX/XXXX Open-Docs sent on wrong # - reopening Finding - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The ownership and encumbrance information appears to be reported on the first two pages of the title report, attached. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - a duplicate E&O provided - still missing the O&E - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached. - Seller-XX/XX/XXXX Open-Title Document is missing Missing O&E (Owner & Encumbrance) Report. E&O (Errors and Omissions) is provided (pg XXX). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Prior copy was for a different file, attached should be the required doc. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. The ownership and encumbrance information appears to be reported on the first two pages of the title report, attached. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. attached. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received O&E - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 602661 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 615453 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645233 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1168 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-XX/XX/XXXX - received HOI with FL COC and replacement cost - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached HOI policy which includes Check List Coverage with the Replacement cost guaranteed - Seller-XX/XX/XXXX Counter-The policy provided does not state Guaranteed Replacement Cost - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? Per Florida state law prohibits Replacement cost estimator. Please see attached documents. - Seller-XX/XX/XXXX Open-Hazard policy reflects dwelling coverage that is less than the combined liens and cost to replace reflected on the appraisal, no guaranteed replacement coverage is noted. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached HOI policy which includes Check List Coverage with the Replacement cost guaranteed - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review one more time this exception? Per Florida state law prohibits Replacement cost estimator. Please see attached documents. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received HOI with FL COC and replacement cost - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645233 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCOM1232 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Final XXXX e-signed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see final XXXX attached signed and dated by bwr on XX/XX/XX - Seller-XX/XX/XXXX Open-The Final XXXX is Missing No final XXXX executed by the borrower at closing was provided, reflecting income, liabilities and assets consistent with the final loan approval, data gleaned from either the initial XXXX or other credit documentation. Additional findings XXX be required upon receipt - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see final XXXX attached signed and dated by bwr on XX/XX/XX - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Final XXXX e-signed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645233 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received HOI with FL COC and replacement cost - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached HOI policy which includes Check List Coverage with the Replacement cost guaranteed - Seller-XX/XX/XXXX Open-Provide evidence of Guaranteed Replacement Coverage. The policy provided does not state Guaranteed Replacement Cost - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached HOI policy which includes Check List Coverage with the Replacement cost guaranteed - Seller-XX/XX/XXXX |
Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received HOI with FL COC and replacement cost - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 594972 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 602662 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615454 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602663 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1203 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received updated DRIVE Report with all high alerts cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Potential Fraud Reflected on Fraud Report Drive Report reflects score of X and auto refer for IDVerify and AppVerify. While it appears high alerts were research and possibly cleared it doesn't appear they were cleared through the Drive System. Please provided updated report which reflects an acceptable score. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received updated DRIVE Report with all high alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 608018 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1265 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for non-borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form No executed ROR evidencing the Non Borrowing Spouse had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for non-borrower - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 608027 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630513 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615419 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 594973 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM6722 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Closing | Mortgage not properly executed | Resolved-XX/XX/XX - received copy or DOT executed by non-borrowing spouse. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Non-borrowing spouse did not execute the Deed of Trust/Security Instrument as required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received copy or DOT executed by non-borrowing spouse. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 630514 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602664 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615406 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615455 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3542 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-XX/XX/XXXX - Funder CD attached shows APR reduced down to XX.XXX, which is only an increase of X.XXX% from APR disclosed on XX/XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Funder CD attached shows APR reduced down to XX.XXX, which is only an increase of X.XXX% from APR disclosed on XX/XX. - Seller-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date test (waiting period required).( XX CFR §XXXX.XX(f)(X)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXXX.XX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXXX.XX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXXX.XX(o)(X) becomes inaccurate, as defined in §XXXX.XX.(B) The loan product is changed, causing the information disclosed under §XXXX.XX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXXX.XX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXXX.XX(f)(X)(i) no later than three business days before consummation. The APR increased from XX.XXX% on the XX/XX/XXXX CD to XX.XXX% on the XX/XX/XXXX CD requiring a new waiting period due to the > .XXX increase. Excluding XXX, the earliest the loan should have closed was on XX/XX/XXXX, however borrower X executed the loan docs on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Funder CD attached shows APR reduced down to XX.XXX, which is only an increase of X.XXX% from APR disclosed on XX/XX. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Funder CD attached shows APR reduced down to XX.XXX, which is only an increase of X.XXX% from APR disclosed on XX/XX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 608040 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630515 | XXXX | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1536 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Appraisal | Condition of Subject is poor | Resolved-XX/XX/XXXX - received seller response: "Description of CX property status does not affect livability of property, appraiser said property is "Adequately maintained" under subject characteristics: property maintenance, and in comments wrote "Minor repairs need to be addresses [sic] as well as a good cleanup of the property." Guidelines do not appear to disqualify this condition." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Description of CX property status does not affect livability of property, appraiser said property is "Adequately maintained" under subject characteristics: property maintenance, and in comments wrote "Minor repairs need to be addresses [sic] as well as a good cleanup of the property." Guidelines do not appear to disqualify this condition. - Seller-XX/XX/XXXX Open-The appraiser conditioned the property as a C-X for siding missing or damaged, estimated repair cost $XXXX, with repairs recommended. Subject condition comments Minor repairs need to be addressed as well as a good cleanup of the property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Description of CX property status does not affect livability of property, appraiser said property is "Adequately maintained" under subject characteristics: property maintenance, and in comments wrote "Minor repairs need to be addresses [sic] as well as a good cleanup of the property." Guidelines do not appear to disqualify this condition. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received seller response: "Description of CX property status does not affect livability of property, appraiser said property is "Adequately maintained" under subject characteristics: property maintenance, and in comments wrote "Minor repairs need to be addresses [sic] as well as a good cleanup of the property." Guidelines do not appear to disqualify this condition." - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 615408 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630516 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652267 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630517 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615410 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615456 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with additional $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete cure attached. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Doc Prep Fee increased from $X to $XX and the Title Services Fee increased from $X to $XX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $XX.XX to cure the XX% tolerance variance. The final CD reflects a lender credit of $X.XX, however the borrower is still owed $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Complete cure attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with additional $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615456 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with additional $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Complete cure attached to other finding. - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). The Doc Prep Fee increased from $X to $XX and the Title Services Fee increased from $X to $XX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $XX.XX to cure the XX% tolerance variance. The final CD reflects a lender credit of $X.XX, however the borrower is still owed $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Complete cure attached to other finding. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with additional $XX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 615456 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SD | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | |||||
| 608010 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667398 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615457 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630518 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645235 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL3525 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Valuation product is deficient | Resolved-XX/XX/XXXX - received Desk Review dated XX/XX/XXXX with $XXX value - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Desktop Appraisal report showing a valuation of $XXX,XXX.XX - Seller-XX/XX/XXXX Open- The AVM confidence score of XX does not meet the minimum of XX. The XXXX shows an appraised value of $XXX,XXX VS AVM $XXX,XXX. No other valuation product located in loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached Desktop Appraisal report showing a valuation of $XXX,XXX.XX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received Desk Review dated XX/XX/XXXX with $XXX value - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 608041 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630519 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630520 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630521 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630522 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615422 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630523 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645236 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645237 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FPRO1136 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is XXXis (Primary Value) | Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received the XXXXD dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Primary Value Subject Property Appraisal is not on an As-Is XXXis Missing the XXXXD for the Subject to repairs with the following conditions. Water heater diverter pipe is missing and is a health and safety issue per appraiser's comment. page XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received the XXXXD dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 608042 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615458 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652268 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608017 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630524 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630525 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 615399 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615417 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608004 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630526 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645238 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608008 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645239 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630527 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608043 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615436 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615413 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652232 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630528 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630529 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630530 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615400 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667325 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615459 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615460 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645240 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615461 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608044 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659823 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645241 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1320 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | Resolved-XX/XX/XXXX - UW used XXXX loss - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see XXXX form attached reflecting and noted by our UW the loss of $X,XXX.XX coming from the bwr's self-employment. - Seller-XX/XX/XXXX Open-Borrower X Personal Tax Returns Less Than XX Months Provided Missing X year income verification for XXX Acquisitions LLC. XXXX schedule C provided (pg XXX), however LOE from borrower states XXXX not completed. XXXX schedule C reflects a loss of $XXX. Provide either XXXX taxes or XXXX P&L to verify loss has not increased or verification that business is no longer active. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see XXXX form attached reflecting and noted by our UW the loss of $X,XXX.XX coming from the bwr's self-employment. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - UW used XXXX loss - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 667399 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615462 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 630531 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659814 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - TD Received PDI reflecting no damage to subject property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Inspection complete, no damage to the subject property. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration XXX, subject's county was impacted on XX/XX/XXXX after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Inspection complete, no damage to the subject property. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received PDI reflecting no damage to subject property. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645242 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615463 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630532 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645243 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645244 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615464 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608028 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615465 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667400 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608011 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-XX/XX/XX - Received documentation that UCC lien was paid at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached, records show the UCC lien was XXX debt which was included as a debt paid at closing on CD. - Seller-XX/XX/XXXX Open-Property Title Issue - Please provide verification UCC filing listed on Schedule B Part I, Item #X, was released after payoff. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached, records show the UCC lien was XXX debt which was included as a debt paid at closing on CD. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Received documentation that UCC lien was paid at closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 630533 | XXXX | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1183 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Concur, UW input entire payment including escrow rather than just P&I. Input correction, docs attached. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The XXXX first mortgage payment does not match the origination Note. The XXXX disclosed the P&I as $XXX vs the Note and VOM which reflects the P&I as $XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Concur, UW input entire payment including escrow rather than just P&I. Input correction, docs attached. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 630534 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608045 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645245 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645246 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615466 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630535 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630536 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659804 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630537 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608046 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645247 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM0018 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD received verification of receipt of appraisal. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD received verification of receipt of appraisal. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615467 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645248 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608016 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL1628 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Property | No HOA fees on appraisal and property identified as a PUD | Resolved-XX/XX/XX - Received verification of $XXXX/mo from HOA. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-- AVM does not list amount of HOA Dues for the subject; please provide verification total is $XXXX/mo per Final XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Received verification of $XXXX/mo from HOA. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 630538 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630539 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed RORs for both borrowers - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing No executed ROR evidencing the borrower X had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed RORs for both borrowers - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 630539 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM9564 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-XX/XX/XXXX - received executed RORs for both borrowers - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-No executed ROR evidencing the borrower X had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed RORs for both borrowers - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 608001 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645249 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615468 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608047 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630540 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645250 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615469 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-47 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-XX/XX/XXXX - seller response: "Document Uploaded. See attached, signed and notarized on XX/XX/XX. The other version was corrective due to smudging on the original." with DOT Notary date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached, signed and notarized on XX/XX/XX. The other version was corrective due to smudging on the original. - Seller-XX/XX/XXXX Open-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 XXX 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. The Mortgage was signed and notarized after the disbursement date disclosed on the final CD. The disbursement date is XX/XX/XXXX, the mortgage was signed and notarized on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached, signed and notarized on XX/XX/XX. The other version was corrective due to smudging on the original. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - seller response: "Document Uploaded. See attached, signed and notarized on XX/XX/XX. The other version was corrective due to smudging on the original." with DOT Notary date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 659806 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645251 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645252 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608009 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with additional $XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Abstract/Title Search fee increased from $ X to $XXX and the Notary fee increased from $XX to $XX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $XX to cure the X% tolerance variance. The final CD reflects a lender credit of $XXX, however the borrower is still owed $XX to cure both violations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with additional $XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 608009 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with additional $XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Cure attached to other finding - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Cure attached to other finding - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with additional $XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 630541 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615470 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608005 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630542 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615427 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630543 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615471 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645253 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615472 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630544 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615405 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630545 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630546 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630547 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1294 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-XX/XX/XXXX - received corrected XXXX with income at $XXX and DTI at XXX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Paystub provided shows Entitlements of $XXX which were grossed up XXX = $XXX. Per XXXX there is additional VA Benefits-Non Educational for $XXX The XXXX shows Other Income as $XXX, which appears to include the $XXX twice as grossed up and not grossed up. The resulting DTI is XXX%. Please provide a corrected XXXX - Due Diligence Vendor-XX/XX/XXXX Resolved-Income X Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached paystubs from borrower # X showing that XXX & XXX are noted on the Paystubs. This income is grossed up as it is nontaxable and will continue through the borrower's term with military ETS is outside of X years. - Seller-XX/XX/XXXX Open-Income X Months Income Verified is Missing BX Missing income documentation for VA Comp of $XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached paystubs from borrower # X showing that XXX & XXX are noted on the Paystubs. This income is grossed up as it is nontaxable and will continue through the borrower's term with military ETS is outside of X years. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received corrected XXXX with income at $XXX and DTI at XXX% - Due Diligence Vendor-XX/XX/XXXX Resolved-Income X Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645254 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630548 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645255 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615473 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608048 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630549 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE0032 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received evidence Cap One was paid XX/XX/XXXX, credit report pulled XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see CC statement attached showing a zero balance. acct was paid off before closing. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements The DTI is XXX%, which exceeds the guidelines max DTI of XX.XX%. The total other monthly payments are $XXX vs XXX on the XXXX due to the XXX revolving for XXX not included in the DTI calculation - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see CC statement attached showing a zero balance. acct was paid off before closing. - Seller-XX/XX/XXXX |
Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received evidence Cap One was paid XX/XX/XXXX, credit report pulled XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 630549 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see CC statement attached showing a zero balance. acct was paid off before closing. - Seller-XX/XX/XXXX Open-The DTI is XXX%, which exceeds the guidelines max DTI of XX.XX%. The total other monthly payments are $XXX vs XXX on the XXXX due to the XXX revolving for XXX not included in the DTI calculation - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see CC statement attached showing a zero balance. acct was paid off before closing. - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 630549 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XXXX - received executed FCD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached CD dated XX/XX/XX and signed by both borrowers. - Seller-XX/XX/XXXX Open-Missing Final CD executed on XX/XX/XXXX. Compliance is incomplete and additional findings XXX apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached CD dated XX/XX/XX and signed by both borrowers. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed FCD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 630549 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCOM6722 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Closing | Mortgage not properly executed | Resolved-XX/XX/XXXX - received executed Quit Claim executed by all parties - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Quit Claim Deed signed and executed by all parties - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - the Quit Claim provided is not executed by XXX and XXXna XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Quit Claim Deed attached on which XXX XXX & XXX XXX gave to right to remove from mortgage their names. - Seller-XX/XX/XXXX Open-Non borrowing vested owners on the title report, XXX XXX and XXX XXX, did not execute the subject Mortgage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached Quit Claim Deed signed and executed by all parties - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Quit Claim Deed attached on which XXX XXX & XXX XXX gave to right to remove from mortgage their names. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed Quit Claim executed by all parties - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 652269 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645256 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM0018 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received verification borrower was sent copy of appraisal. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see email sent to bwr a copy of the appraisal report on XX/XX/XXXX. - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see email sent to bwr a copy of the appraisal report on XX/XX/XXXX. - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received verification borrower was sent copy of appraisal. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615415 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645257 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615474 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630550 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630551 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630552 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615426 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630553 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645258 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615475 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1201 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Drive Report with Pass - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report - Missing the third-party Drive Report reflecting all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Drive Report with Pass - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667401 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630554 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645259 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 608023 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 615412 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615425 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615476 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630555 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645260 | XXXX | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1183 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received corrected XXXX with DTI at XX.XXX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Corrected. Updated real estate tax to reflect the amount the borrower actually paid. DTI remains below XX.XX%. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The senior P&I reflected on the XXXX of XXX is lower than the P&I reflected on the senior note of $X,XXX.XX. The lender used the prior XXXior second lien P&I amount being paid off with the subject refi. Provide a corrected XXXX with correct senior P&I and DTI. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Corrected. Updated real estate tax to reflect the amount the borrower actually paid. DTI remains below XX.XX%. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received corrected XXXX with DTI at XX.XXX% - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 615423 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645261 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615477 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630556 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667327 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630557 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630558 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615478 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615479 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615404 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630559 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652236 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630560 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 659824 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XXXX - TD Received executed copy of final CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Consummation CD attached signed and dated by bwr on XX/XX/XX - Seller-XX/XX/XXXX Open-Missing the executed Final CD, compliance testing is incomplete. The CD issued on XX/XX/XXXX (pg XXX) was not executed. Additional Findings XXX apply upon receipt and review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Consummation CD attached signed and dated by bwr on XX/XX/XX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received executed copy of final CD. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645262 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667298 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630561 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667402 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630562 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645263 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645264 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659825 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667403 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615480 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630563 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645265 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615421 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630564 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630565 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659826 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | FCRE1444 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Credit report incomplete | Resolved-XX/XX/XXXX - TD Received credit update reflecting complete XX month mortgage rating reflecting XXXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - TD Received copy of Seller matrix and letter from lender stating maximum requirement is XXXXX and minimum requirement is XXXXXX. However Client XXX XXXX guidelines and corresponding matrix reflect minimum requirement is XXXXX and loan is being reviewed to Client requirements. The guidelines and matrix reflect a minimum XX months seasoning is required when 1st lien had a modification as a result of a CARES Act forbearance plan, which is not the case in this instance. Unable to copy guidelines or matrix in findings, however XXX XXXX guides/matrix were thoroughly reviewed to determine eligibility. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review one more time or escalate this discrepancy with your team lead? Per the guidelines, the maximum VOM is XX months, but the minimum VOM is XX months. Also, there is a revision in regard to this requirement that was done on XX/XX/XX, which stated that there can be only XX months of VOM. see attached documents, which include VOM and guidelines - Seller-XX/XX/XXXX Open-Missing XX month mortgage history reflecting XXXXX for subject property. No recent mortgage reflected on credit report and VOM (pg XX) reflects only a XX month rating from XX/XXXX - XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review one more time or escalate this discrepancy with your team lead? Per the guidelines, the maximum VOM is XX months, but the minimum VOM is XX months. Also, there is a revision in regard to this requirement that was done on XX/XX/XX, which stated that there can be only XX months of VOM. see attached documents, which include VOM and guidelines - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received credit update reflecting complete XX month mortgage rating reflecting XXXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 659826 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached PCCD & Pymt History, which shows an additional cure for $XXX - Seller-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached PCCD & Pymt History, which shows an additional cure for $XXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 659826 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD with cure for $XXX - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the attached PCCD & Pymt History, which shows an additional cure for $XXX - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). The title doc prep fee increased from $X to $XX and the recording fee increased from $XXX to $XXX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $XXX to cure the XX% variance violation. The PCCD reflects a lender credit/principal reduction of $XXX, however that amount is not sufficient to cure the total amount of $XXX. Remaining amount due borrower is $XXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the attached PCCD & Pymt History, which shows an additional cure for $XXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD with cure for $XXX - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 659826 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. FCD provided X.XX cure - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see the attached PCCD & Pymt History, which shows an additional cure for $XXX - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX. Remaining amount due borrower is $XXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please see the attached PCCD & Pymt History, which shows an additional cure for $XXX - Seller-XX/XX/XXXX |
Resolved-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. FCD provided X.XX cure - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 659826 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | |||||
| 659826 | XXXX | XXXX | C | B | C | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | |||||
| 652253 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630566 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645266 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630567 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630568 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645267 | XXXX | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM2630 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-XX/XX/XXXX - received GA Notice of Right To Select Attorney - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received GA Notice of Right To Select Attorney - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 659827 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCRE1620 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-XX/XX/XXXX - TD Received explanation for lender that the information input for edisclosure was a placeholder, the disclosure tracking ALSO shows the "fulfillment ordered" and "fulfillment presumed received date" information, indicating the documents were additionally shipped to the borrower. - Due Diligence Vendor-XX/XX/XXXX Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please note the information input for edisclosure was a placeholder, the disclosure tracking ALSO shows the "fulfillment ordered" and "fulfillment presumed received date" information, indicating the documents were additionally shipped to the borrower. This is the actual method of receipt. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Disclosure Tracking Details (pgs XXX-XXX) reflect disclosures issued XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were sent and received by eDisclosure. Please provide e-sign agreement/consent documentation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. It appears docs were wet-signed, not e-signed. - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. The E-Sign Agreement was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please note the information input for edisclosure was a placeholder, the disclosure tracking ALSO shows the "fulfillment ordered" and "fulfillment presumed received date" information, indicating the documents were additionally shipped to the borrower. This is the actual method of receipt. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. It appears docs were wet-signed, not e-signed. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received explanation for lender that the information input for edisclosure was a placeholder, the disclosure tracking ALSO shows the "fulfillment ordered" and "fulfillment presumed received date" information, indicating the documents were additionally shipped to the borrower. - Due Diligence Vendor-XX/XX/XXXX Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645268 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659828 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630569 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630570 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667328 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645269 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645270 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630571 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652235 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615420 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645271 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD with cover letter and principal reduction applied - Seller-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD with cover letter and principal reduction applied - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645271 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD with cover letter and principal reduction applied - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD with cover letter and principal reduction applied - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645271 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD with cover letter and principal reduction applied - Seller-XX/XX/XXXX Open-The Recording Fee increased from XXX to XXX from the XXXeline LE to the Final CD without a written COC. Missing evidence the borrower was reimbursed $XXX to cure the XX% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). The Recording Fee increased from XXX to XXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXX to cure the XX% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD with cover letter and principal reduction applied - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645271 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Date Test | Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (XX CFR §XXXX.XX(f)(X)(v) ) The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date. The PCCD is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Unable to completely rectify as PCCD and cure to borrower was received greater than XX days post closing. XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (XX CFR §XXXX.XX(f)(X)(v) ) The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date. The PCCD is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Unable to completely rectify as PCCD and cure to borrower was received greater than XX days post closing. XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 645271 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (XX CFR §XXXX.XX(f)(X)(v) ) The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date. The PCCD is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (XX CFR §XXXX.XX(f)(X)(v) ) The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date. The PCCD is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Unable to completely rectify as PCCD and cure to borrower was received greater than XX days post closing. XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (XX CFR §XXXX.XX(f)(X)(v) ) The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date. The PCCD is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (XX CFR §XXXX.XX(f)(X)(v) ) The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date. The PCCD is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Unable to completely rectify as PCCD and cure to borrower was received greater than XX days post closing. XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting $XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 652240 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630572 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645272 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630573 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630574 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630575 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630576 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645274 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659807 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652255 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652270 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM5814 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-XX/XX/XXXX - TD Received Consummation CD signed and dated XX/XX/XX, Legal Note dated XX/XX/XX, DOT signed and dated XX/XX and NORTC signed XX/XX. Partially re-reviewed file with corrected dates and data. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Consummation CD signed and dated XX/XX/XX, Legal Note dated XX/XX/XX, DOT signed and dated XX/XX and NORTC signed XX/XX. Auditor included incorrect documents in the electronic binder. - Seller-XX/XX/XXXX Open-The final CD issued on XX/XX/XXXX is not executed by the borrower. The Right To Cancel disclosure was executed on XX/XX/XXXX and the DOT was executed and notarized on XX/XX/XXXX. The PCCD issued on XX/XX/XXXX (pg XXX) reflects a Closing Date of XX/XX/XXXX, however all other closing docs were executed on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached Consummation CD signed and dated XX/XX/XX, Legal Note dated XX/XX/XX, DOT signed and dated XX/XX and NORTC signed XX/XX. Auditor included incorrect documents in the electronic binder. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received Consummation CD signed and dated XX/XX/XX, Legal Note dated XX/XX/XX, DOT signed and dated XX/XX and NORTC signed XX/XX. Partially re-reviewed file with corrected dates and data. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 645275 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 602665 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615433 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645276 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3529 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX CFR §XXXX.XX(e)(X)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count XXXed on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. Missing the revised LE issued within three days of the XX/XX/XXXX property type change (pg XXX) with increase to Points. The revised LE dated XX/XX/XXXX for this change is not within X business days. The lender is open for business on XXXs, thus the revised LE must be provided by XX/XX/XXXX to meet the X business day requirement. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 630577 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615407 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659805 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630578 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645277 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630579 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667329 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FPRO0001 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Property | HOA General | Resolved-XX/XX/XXXX - TD Received evidence of HOA of $XXXX/mo. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HOA stmt - Seller-XX/XX/XXXX Open-- Please provide acceptable verification HOA Dues for the subject property are $XXXX/mo as stated on XXXX and XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. HOA stmt - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received evidence of HOA of XX/mo. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645278 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3529 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX CFR §XXXX.XX(e)(X)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count XXXed on the client preferences configured on the company settings business days profile page:As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. Missing the revised LE issued within three days of the XX/XX/XXXX the loan amount change (pg XXX) with increase to Points. The COC occurred XX/XX/XXXX and was not disclosed to the borrower until XX/XX/XXXX. Lender is open for business on XXX making XXXs included in the X business day count. Redisclosure required by XX/XX/XXXX to meet the X business day timing requirement. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 645279 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659829 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630580 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630581 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645280 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659798 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652231 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615424 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652260 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645281 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 630582 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1586 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Missing executed copy of Final Closing Disclosure signed at consummation. | Resolved-XX/XX/XXXX - received executed Final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Initial CD signed and dated by the borrower on XX/XX/XX and Consummation CD signed and dated on XX/XX/XX - Seller-XX/XX/XXXX Open-Missing Executed copy of Final Closing Disclosure signed at consummation - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Initial CD signed and dated by the borrower on XX/XX/XX and Consummation CD signed and dated on XX/XX/XX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed Final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667331 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630583 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645282 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659830 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached PCCD & Pymt history showing a cure for $XXX - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - TD Received previously reviewed CD issued on XX/XX/XXXX and evidence borrower received CD on XX/XX/XXXX. Also received COC stating the changes were received on XX/XX/XXXX with a Revised CD Due Date of XX/XX/XXXX, however no CD issued between XX/XX/XXXX and XX/XX/XXXX was received. Earliest CD related to COC made on XX/XX/XXXX is dated XX/XX/XXXX, which is outside X business days. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached CD dated XX/XX, valid COC, proof of delivery and esignature. increase in discount points were a valid increase also bwr signed and aware about these changes + - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Loan Discount Fee increased from$XXXX.XX to $XXXX.XX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. The loan file contained a XX/XX/XXXX COC for a loan amount and discount points increase (pg XXX), but no revised CD was issued until XX/XX/XXXX per the Disclosure Tracking Summary (pg XXX). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached PCCD & Pymt history showing a cure for $XXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached CD dated XX/XX, valid COC, proof of delivery and esignature. increase in discount points were a valid increase also bwr signed and aware about these changes + - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 659830 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached PCCD & Pymt history showing a cure for $XXX - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - TD Received previously reviewed CD issued on XX/XX/XXXX and evidence borrower received CD on XX/XX/XXXX. Also received COC stating the changes were received on XX/XX/XXXX with a Revised CD Due Date of XX/XX/XXXX, however no CD issued between XX/XX/XXXX and XX/XX/XXXX was received. Earliest CD related to COC made on XX/XX/XXXX is dated XX/XX/XXXX, which is outside X business days. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached CD dated XX/XX, valid COC, proof of delivery and esignature. increase in discount points were a valid increase also bwr signed and aware about these changes + - Seller-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached PCCD & Pymt history showing a cure for $XXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached CD dated XX/XX, valid COC, proof of delivery and esignature. increase in discount points were a valid increase also bwr signed and aware about these changes + - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 659830 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached PCCD & Pymt history showing a cure for $XXX - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - TD Received previously reviewed CD issued on XX/XX/XXXX and evidence borrower received CD on XX/XX/XXXX. Also received COC stating the changes were received on XX/XX/XXXX with a Revised CD Due Date of XX/XX/XXXX, however no CD issued between XX/XX/XXXX and XX/XX/XXXX was received. Earliest CD related to COC made on XX/XX/XXXX is dated XX/XX/XXXX, which is outside X business days. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached CD dated XX/XX, valid COC, proof of delivery and esignature. increase in discount points were a valid increase also bwr signed and aware about these changes + - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached PCCD & Pymt history showing a cure for $XXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached CD dated XX/XX, valid COC, proof of delivery and esignature. increase in discount points were a valid increase also bwr signed and aware about these changes + - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 659830 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | |||||
| 659830 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | N/A | |||||
| 645283 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630584 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630585 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630586 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667332 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652238 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645284 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630587 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630588 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659831 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652243 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 615429 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645285 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645286 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659815 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645287 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 630589 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630590 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652271 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 652239 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667405 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645288 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630591 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667290 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652272 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659813 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652273 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645289 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 659832 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652248 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652274 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659833 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630592 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659787 | XXXX | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1030 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX/XXXX - TD Received privacy disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing evidence the Federal Privacy Notice was provided at application. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached - Seller-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 652256 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667333 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1646 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Other income not fully or properly documented per guidelines | Resolved-XX/XX/XXXX - TD Documentation does not break out last XX month housing history, however since WVOE and paystubs can be tied to XXXe pay and housing allowance this is acceptable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Income XXXed on paystubs and w2's, uploaded income worksheet, paystubs and w2's. w2's include a breakdown of regular earnings and housing allowance history of payment - Seller-XX/XX/XXXX Open-Missing proof of most recent XX months receipt of housing allowance. Paystub (pg XXX) reflects borrower makes $XX.XX per hour and reflects housing allowance of $X,XXX.XX per pay period. WVOE (pg XXX) reflects XXXe pay of $XX,XXX, which is not consistent with paystubs, and does not reflect housing allowance. It appears employer XXX have included housing allowance in XXXe income, however in order to verify XX months receipt it would need to be broken out to reflect specific amounts paid as housing allowance. Not reflected on w2s or XXXXs as it is non-taxable income. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Income XXXed on paystubs and w2's, uploaded income worksheet, paystubs and w2's. w2's include a breakdown of regular earnings and housing allowance history of payment - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Documentation does not break out last XX month housing history, however since WVOE and paystubs can be tied to XXXe pay and housing allowance this is acceptable. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645290 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3542 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-XX/XX/XXXX - received Tracking Details reflecting receipt date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The borrower viewed the first XX/XXXX revised CD the same day, and the APR on that CD was XXX. The next CD created on XX/XXXX reduced the APR by X.XXX%, which is within tolerance and does not require a new waiting period. The APR remained the same on the consummation CD, which the borrower signed. Thus, the loan met the TRID requirements. (The loan product did not change, and no prepayment penalty was added.) - Seller-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date test (waiting period required).( XX CFR §XXXX.XX(f)(X)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXXX.XX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXXX.XX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXXX.XX(o)(X) becomes inaccurate, as defined in §XXXX.XX.(B) The loan product is changed, causing the information disclosed under §XXXX.XX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXXX.XX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXXX.XX(f)(X)(i) no later than three business days before consummation. The revised CD issued on XX/XX/XXXX was received on XX/XX/XXXX per Tracking Summary (pg XXX) which is after the XX/XX/XXXX consummation date. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The borrower viewed the first XX/XXXX revised CD the same day, and the APR on that CD was XXX. The next CD created on XX/XXXX reduced the APR by X.XXX%, which is within tolerance and does not require a new waiting period. The APR remained the same on the consummation CD, which the borrower signed. Thus, the loan met the TRID requirements. (The loan product did not change, and no prepayment penalty was added.) - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received Tracking Details reflecting receipt date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645291 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652275 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645292 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667334 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630593 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630594 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630595 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652276 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645293 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 659792 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received Pat Act Form signed by notary indicating SS card was viewed, which is acceptable per Pat Act requirements. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Patriot Act Information Form - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure No Selleroto ID or USA Patriot Act with ID information completed by the closing agent was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached Patriot Act Information Form - Seller-XX/XX/XXXX |
Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received Pat Act Form signed by notary indicating SS card was viewed, which is acceptable per Pat Act requirements. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645294 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667406 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667335 | XXXX | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1183 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-XX/XX/XXXX - TD Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated XXXX uploaded. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided The XXXX first mortgage P&I payment does not match the Note/VOM. The VOM reflects $XXX vs the XXXX disclosed payment $XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated XXXX uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 652262 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667407 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630596 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667336 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667338 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652234 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645295 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 652226 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645296 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659834 | XXXX | XXXX | D | A | A | A | A | A | N/A | N/A | Closed | FVAL8946 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Appraisal | Resolved-XX/XX/XXXX - TD Received acceptable AVM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing valuation documentation to verify value used to qualify. No appraisal, Desk Review or AVM was provided. Value gleaned from lender approval to calculate LTV/CLTV. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received acceptable AVM. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 630597 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659786 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659800 | XXXX | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1201 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received acceptable fraud report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report Missing third Party Fraud Report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received acceptable fraud report. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||
| 667303 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645297 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 645298 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667408 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM8003 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Date Issued does not match actual date delivered | Resolved-XX/XX/XXXX - TD Received the actual final CD issued on XX/XX/XXXX and executed on XX/XX/XXXX. Unable to mark as "final" is marked as "revised." No ComplianceEase issues and dates now match in the system. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Tracking Log reflecting revised CD issued XX/XX/XXXX was received XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. disclosure tracking supporting borrower's receipt of consummation cd including borrower's signature - Seller-XX/XX/XXXX Open-The CD date issued XX/XX/XXXX and signed on XX/XX/XX (pg XX) does not appear to be the Final CD. The loan file contains an unexecuted CD date issued XX/XX/XXXX (pg XXX), along with a COC (pg XXX) and Tracking Summary (pg XX) reflecting it was sent to the borrower on XX/XX/XXXX and received XX/XX/XXXX. Consummation occurred on XX/XX/XXXX. The XX/XX/XXXX revised CD increased title fees per the COC. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. disclosure tracking supporting borrower's receipt of consummation cd including borrower's signature - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received the actual final CD issued on XX/XX/XXXX and executed on XX/XX/XXXX. Unable to mark as "final" is marked as "revised." No ComplianceEase issues and dates now match in the system. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Tracking Log reflecting revised CD issued XX/XX/XXXX was received XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667408 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3540 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-XX/XX/XXXX - TD Received the actual final CD issued on XX/XX/XXXX and executed on XX/XX/XXXX. Unable to mark as "final" is marked as "revised." No ComplianceEase issues and dates now match in the system. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. disclosure tracking and signed consummation cd - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( XX CFR §XXXX.XX(f)(X)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §XXXX.XX(f)(X)(ii), if the disclosures provided under §XXXX.XX(f)(X)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraSeller, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor XXX omit from inspection items related only to the seller's transaction. The unexecuted XX/XX/XXXX revised CD (pg XXX) was received XX/XX/XXXX per the Disclosure Tracking Summary (pg XX), which is after the XX/XX/XXXX loan consummation date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. disclosure tracking and signed consummation cd - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received the actual final CD issued on XX/XX/XXXX and executed on XX/XX/XXXX. Unable to mark as "final" is marked as "revised." No ComplianceEase issues and dates now match in the system. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667408 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3732 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Resolved-XX/XX/XXXX - TD Received the actual final CD issued on XX/XX/XXXX and executed on XX/XX/XXXX. Unable to mark as "final" is marked as "revised." No ComplianceEase issues and dates now match in the system. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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 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. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. consummation CD TOP matches XXXX compliance reporting - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-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 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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. consummation CD TOP matches XXXX compliance reporting - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received the actual final CD issued on XX/XX/XXXX and executed on XX/XX/XXXX. Unable to mark as "final" is marked as "revised." No ComplianceEase issues and dates now match in the system. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667408 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3734 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved-XX/XX/XXXX - TD Received the actual final CD issued on XX/XX/XXXX and executed on XX/XX/XXXX. Unable to mark as "final" is marked as "revised." No ComplianceEase issues and dates now match in the system. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID foreclosure rescission total of payments test. ( XX CFR §XXXX.XX(h)(X)(ii) )The total of payments is $XXX,XXX.XX. The disclosed total of payments charge of $XXX is not considered accurate for purposes of rescission because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. compliance report matches funding TOP CD - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID foreclosure rescission total of payments test. ( XX CFR §XXXX.XX(h)(X)(ii) )The total of payments is $XXX,XXX.XX. The disclosed total of payments charge of $XXX is not considered accurate for purposes of rescission because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. compliance report matches funding TOP CD - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received the actual final CD issued on XX/XX/XXXX and executed on XX/XX/XXXX. Unable to mark as "final" is marked as "revised." No ComplianceEase issues and dates now match in the system. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667438 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667409 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645299 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630598 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645300 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659835 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667339 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667302 | XXXX | XXXX | C | B | B | A | C | B | N/A | N/A | Closed | finding-3545 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-PCCD cure - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with principal reduction to cure$XXXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. pccd with cover letter and principal reduction applied - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. ( XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , XX CFR §XXXX.XX(e)(X)(i) )The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure) and §XXXX.XX(e)(X)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count XXXed on the client preferences configured on the company settings business days profile page:As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms.Official InterpretationsXX C.F.R. §XXXX.XX(e)(X)(ii)Relationship to disclosures required under §XXXX.XX(f)(X)(i).Revised disclosures XXX not be delivered at the same time as the Closing Disclosure. §XXXX.XX(e)(X)(ii) prohibits a creditor from providing a revised version of the disclosures required under §XXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXX.XX(f)(X)(i)...However, if a creditor uses a revised estimate pursuant to § XXXX.XX(e)(X)(iv) for the purpose of determining good faith under § XXXX.XX(e)(X)(i) and (ii), § XXXX.XX(e)(X)(i) permits the creditor to provide the revised estimate in the disclosures required under § XXXX.XX(f)(X)(i) (including any corrected disclosures provided under § XXXX.XX(f)(X)(i) or (ii)). The COC (pg XXX) is dated XX/XX/XXXX, however the corresponding revised CD was not issued until XX/XX/XXXX, which is not within X business days. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. pccd with cover letter and principal reduction applied - Seller-XX/XX/XXXX |
Resolved-PCCD cure - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with principal reduction to cure$XXXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 667302 | XXXX | XXXX | C | B | B | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-PCCD provided cure - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with principal reduction to cure$XXXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. pccd with cover letter and principal reduction applied - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is$XXXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Loan Discount Fee increased from$XXXX to$XXXX from the XXXeline LE to the Final CD with a written COC, however the COC is dated XX/XX/XXXX and the revised CD was not issued until XX/XX/XXXX which is more than X business days. Missing evidence the borrower was reimbursed$XXXX to cure the X% tolerance variance. The final CD and the PCCD reflect a$XXXX lender credit to cure amounts over tolerance, therefore the remaining amount owed to the borrower is $XXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. pccd with cover letter and principal reduction applied - Seller-XX/XX/XXXX |
Resolved-PCCD provided cure - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with principal reduction to cure$XXXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 667302 | XXXX | XXXX | C | B | B | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-PCCD cure - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with principal reduction to cure$XXXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. pccd with cover letter and principal reduction applied - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of$XXXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded,$XXXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The final CD and the PCCD reflect a$XXXX lender credit to cure amounts over tolerance, however the total amount over tolerance is$XXXX, therefore the remaining amount owed to the borrower is $XXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. pccd with cover letter and principal reduction applied - Seller-XX/XX/XXXX |
Resolved-PCCD cure - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX with principal reduction to cure$XXXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Investment | Refinance | Cash Out - Other | N/A | N/A | |||
| 667302 | XXXX | XXXX | C | B | B | A | C | B | N/A | N/A | Closed | FCRE1183 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Counter-XX/XX/XXXX - received PCCD and pay history rather than corrected XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. pccd with cover letter and principal reduction applied - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Primary housing reflected on XXXX (pg XX) is inconsistent with primary housing payment reflected on XXXX (XX). Provide revised XXXX with primary housing reflected as$XXXX, as per XXXX, and DTI adjusted accordingly. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. pccd with cover letter and principal reduction applied - Seller-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||
| 667302 | XXXX | XXXX | C | B | B | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | |||||
| 667302 | XXXX | XXXX | C | B | B | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | |||||
| 667340 | XXXX | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1232 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-XXXXXXX - TD Received copy of executed final XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. final signed application - Seller-XX/XX/XXXX Open-The Final XXXX is Missing No final XXXX executed by the borrower at closing was provided, reflecting income, liabilities and assets consistent with the final loan approval, data gleaned from either the initial XXXX or other credit documentation. Both copies provided in the loan file are the Initial XXXX signed on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. final signed application - Seller-XX/XX/XXXX |
Resolved-XXXXXXX - TD Received copy of executed final XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645301 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 652246 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645302 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667341 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645303 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659810 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645304 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652249 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645305 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667342 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645306 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652242 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652277 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652278 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652230 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3545 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-The PCCD is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. Lender provided cure within XX days of knowledge of violation - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received PCCD issued on XX/XX/XXXX, letter to borrower and verification principal reduction of $XXX applied to account. The PCCD is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. Lender provided cure within XX days of knowledge of violation - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD with cover letter and evidence of Principal Reduction applied - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Received previously reviewed COC and revised CD issued on XX/XX/XXXX. Please provide the revised CD issued within three days of the XX/XX/XXXX COC for loan amount change (pg XXX), with increase to Points. The first CD disclosing the change was not issued until XX/XX/XXXX, which is outside X business days. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded Closing Disclosure dated XX/XX and disclosure tracking history supporting borrowers receipt of CD - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. ( XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , XX CFR §XXXX.XX(e)(X)(i) )The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure) and §XXXX.XX(e)(X)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count XXXed on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms.Official InterpretationsXX C.F.R. §XXXX.XX(e)(X)(ii)Relationship to disclosures required under §XXXX.XX(f)(X)(i).Revised disclosures XXX not be delivered at the same time as the Closing Disclosure. §XXXX.XX(e)(X)(ii) prohibits a creditor from providing a revised version of the disclosures required under §XXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXX.XX(f)(X)(i)...However, if a creditor uses a revised estimate pursuant to § XXXX.XX(e)(X)(iv) for the purpose of determining good faith under § XXXX.XX(e)(X)(i) and (ii), § XXXX.XX(e)(X)(i) permits the creditor to provide the revised estimate in the disclosures required under § XXXX.XX(f)(X)(i) (including any corrected disclosures provided under § XXXX.XX(f)(X)(i) or (ii)). Missing the revised CD issued within three days of the XX/XX/XXXX COC for loan amount change (pg XXX), with increase to Points. The first CD disclosing the change was not issued until XX/XX/XXXX, which is outside X business days. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD with cover letter and evidence of Principal Reduction applied - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded Closing Disclosure dated XX/XX and disclosure tracking history supporting borrowers receipt of CD - Seller-XX/XX/XXXX |
Resolved-The PCCD is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. Lender provided cure within XX days of knowledge of violation - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received PCCD issued on XX/XX/XXXX, letter to borrower and verification principal reduction of $XXX applied to account. The PCCD is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. Lender provided cure within XX days of knowledge of violation - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 659801 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652233 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645307 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659788 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652241 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 659836 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667343 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659837 | XXXX | XXXX | B | A | A | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX - TD Received PDI reflecting no damage to subject property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached reinspection report dated XX/XX with no damage reported - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached reinspection report dated XX/XX with no damage reported - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received PDI reflecting no damage to subject property. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 652279 | XXXX | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1685 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Debt | Undisclosed liabilities on paystub not properly addressed | Resolved-XX/XX/XXXX - TD Received divorce decree reflecting obligation of XXX/mo and revised XXXX with debt added to DTI. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Divorce decree and loan transmittal uploaded to support deduction on paystub included in DTI as maintenance fee - Seller-XX/XX/XXXX Open-Paystubs reflect a$XXXX Support X deduction each pay period, however no documentation is provide to evidence what this is for. Please provide explanation and supporting documentation (divorce decree, child support order, etc). XXX impact DTI or findings. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Divorce decree and loan transmittal uploaded to support deduction on paystub included in DTI as maintenance fee - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received divorce decree reflecting obligation of XXX/mo and revised XXXX with debt added to DTI. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 659791 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645308 | XXXX | XXXX | D | A | B | A | D | A | N/A | N/A | Closed | FCOM1266 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-XX/XX/XXXX - received e-consent, HOC issuance, Disclosure Tracking Logs, COCs dated XX/XX/XXXX, XX/XX/XXXX, LEs dated XX/XX/XXXX, XX/XX/XXXX, initial CD dated XX/XX/XXXX, XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Homeownership Counseling Disclosure attached. - Seller-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing The Homeownership Counseling Disclosure was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Homeownership Counseling Disclosure attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received e-consent, HOC issuance, Disclosure Tracking Logs, COCs dated XX/XX/XXXX, XX/XX/XXXX, LEs dated XX/XX/XXXX, XX/XX/XXXX, initial CD dated XX/XX/XXXX, XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645308 | XXXX | XXXX | D | A | B | A | D | A | N/A | N/A | Closed | FCRE1620 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-XX/XX/XXXX - received e-consent, HOC issuance, Disclosure Tracking Logs, COCs dated XX/XX/XXXX, XX/XX/XXXX, LEs dated XX/XX/XXXX, XX/XX/XXXX, initial CD dated XX/XX/XXXX, XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see TRID documents attached including all LEs, all CDs, proof of delivery, valid COC, E-sign, and Disclosure tracking. - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. The executed E-Sign Agreement was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see TRID documents attached including all LEs, all CDs, proof of delivery, valid COC, E-sign, and Disclosure tracking. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received e-consent, HOC issuance, Disclosure Tracking Logs, COCs dated XX/XX/XXXX, XX/XX/XXXX, LEs dated XX/XX/XXXX, XX/XX/XXXX, initial CD dated XX/XX/XXXX, XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645308 | XXXX | XXXX | D | A | B | A | D | A | N/A | N/A | Closed | FCOM2562 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-XX/XX/XXXX - received e-consent, HOC issuance, Disclosure Tracking Logs, COCs dated XX/XX/XXXX, XX/XX/XXXX, LEs dated XX/XX/XXXX, XX/XX/XXXX, initial CD dated XX/XX/XXXX, XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Notice of Servicing Transfer Disclosure was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received e-consent, HOC issuance, Disclosure Tracking Logs, COCs dated XX/XX/XXXX, XX/XX/XXXX, LEs dated XX/XX/XXXX, XX/XX/XXXX, initial CD dated XX/XX/XXXX, XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 645308 | XXXX | XXXX | D | A | B | A | D | A | N/A | N/A | Closed | FCRE1030 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-XX/XX/XXXX - received e-consent, HOC issuance, Disclosure Tracking Logs, COCs dated XX/XX/XXXX, XX/XX/XXXX, LEs dated XX/XX/XXXX, XX/XX/XXXX, initial CD dated XX/XX/XXXX, XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see Compliance Notice attached. Please advise if this is the document that you requested. - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete The Federal Financial Privacy Opt-Out Notice was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see Compliance Notice attached. Please advise if this is the document that you requested. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received e-consent, HOC issuance, Disclosure Tracking Logs, COCs dated XX/XX/XXXX, XX/XX/XXXX, LEs dated XX/XX/XXXX, XX/XX/XXXX, initial CD dated XX/XX/XXXX, XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 645308 | XXXX | XXXX | D | A | B | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received e-consent, HOC issuance, Disclosure Tracking Logs, COCs dated XX/XX/XXXX, XX/XX/XXXX, LEs dated XX/XX/XXXX, XX/XX/XXXX, initial CD dated XX/XX/XXXX, XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see TRID documents attached including all LEs, all CDs, proof of delivery, valid COC, E-sign, and Disclosure tracking. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing all LEs and CDs. Compliance is incomplete. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see TRID documents attached including all LEs, all CDs, proof of delivery, valid COC, E-sign, and Disclosure tracking. - Seller-XX/XX/XXXX |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received e-consent, HOC issuance, Disclosure Tracking Logs, COCs dated XX/XX/XXXX, XX/XX/XXXX, LEs dated XX/XX/XXXX, XX/XX/XXXX, initial CD dated XX/XX/XXXX, XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667412 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 630599 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659838 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652244 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645309 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645310 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652280 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652281 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652228 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667344 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667413 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659820 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659802 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659821 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667345 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667414 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652257 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645312 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645313 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667304 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652282 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652254 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652283 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667291 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCRE5774 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-XX/XX/XXXX - TD Received complete copy of credit report. No changes noted. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX Open-Missing page X of XX for full credit report dated XX/XX/XXXX. Additional requirements XXX apply upon review of account not currently visible in file (Page X of XX begins with XXX #X). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received complete copy of credit report. No changes noted. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667291 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Lender issued a $XXX Tolerance Cure Credit at the time of settlement; further action not required. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Rescinded-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Lender issued a $XXX Tolerance Cure Credit at the time of settlement; further action not required. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 667291 | XXXX | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - TD Received copy of revised CD with all pages. No change to Compliance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-- Please provide all pages to CD dated XX/XX/XXXX as only Pages X, X, and X are included in the original file. Compliance Testing will be re-run upon receipt and additional requirements XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received copy of revised CD with all pages. No change to Compliance. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 659839 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 659793 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TILA finance charge test.( XX CFR §XXXX.XX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. The loan is underdisclosed by $XXX. Per the lender's XXXX report (pg XX) it appears the lender did not include the Prepaid Interest or Technology Fee Eclosing as APR charges. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 659793 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3732 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Resolved-XX/XX/XXXX - TD Able to resolve FC and TOP issue that were firing due to system issues. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per page X of the latest XXXX report, both the Technology Fee and Prepaid Interest were included in the calculations and resulted in the disclosed TOP. - Seller-XX/XX/XXXX Open-This loan failed the TRID total of payments test. ( XX CFR §XXXX.XX(o)(X) )The total of payments is $XXX. The disclosed total of payments of $XXX 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. The loan is underdisclosed by $XXX. Per the lender's XXXX report (pg XX) it appears the lender did not include the Prepaid Interest or Technology Fee Eclosing as APR charges. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Per page X of the latest XXXX report, both the Technology Fee and Prepaid Interest were included in the calculations and resulted in the disclosed TOP. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Able to resolve FC and TOP issue that were firing due to system issues. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 659793 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3734 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID foreclosure rescission total of payments test. ( XX CFR §XXXX.XX(h)(X)(ii) )The total of payments is $XXX. The disclosed total of payments charge of $XXX is not considered accurate for purposes of rescission because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID foreclosure rescission total of payments test. ( XX CFR §XXXX.XX(h)(X)(ii) )The total of payments is $XXX. The disclosed total of payments charge of $XXX is not considered accurate for purposes of rescission because it is understated by more than $XXX. The loan is underdisclosed by $XXX. Per the lender's XXXX report (pg XX) it appears the lender did not include the Prepaid Interest or Technology Fee Eclosing as APR charges. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 659793 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - TD Lender noted that commentary states variance resolved. Corrected status to reflect resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Lender noted that commentary states variance resolved. Corrected status to reflect resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Commentary suggests this was already cured. If the violation was $XXX and a $XXX credit was applied, that should resolve the violation. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Final CD reflects a $XXX lender credit to cure amount over tolerance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Commentary suggests this was already cured. If the violation was $XXX and a $XXX credit was applied, that should resolve the violation. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Lender noted that commentary states variance resolved. Corrected status to reflect resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Lender noted that commentary states variance resolved. Corrected status to reflect resolved. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 659793 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-2504 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is understated by more than $XXX. The loan is underdisclosed by $XXX. Per the lender's XXXX report (pg XX) it appears the lender did not include the Prepaid Interest or Technology Fee Eclosing as APR charges. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 659793 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3721 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is understated by more than $XXX. The loan is underdisclosed by $XXX. Per the lender's XXXX report (pg XX) it appears the lender did not include the Prepaid Interest or Technology Fee Eclosing as APR charges. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 659793 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3719 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. The loan is underdisclosed by $XXX. Per the lender's XXXX report (pg XX) it appears the lender did not include the Prepaid Interest or Technology Fee Eclosing as APR charges. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 659799 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667348 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652284 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645314 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667307 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659811 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667349 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667294 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645315 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645316 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667350 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 667351 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652245 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652285 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652263 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667415 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 667297 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 645317 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 659795 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667416 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652227 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667317 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 659840 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667352 | XXXX | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL3825 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-XX/XX/XXXX - TD Received PDI reflecting damage to subject property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Disaster reinspection uploaded. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Disaster reinspection uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received PDI reflecting damage to subject property. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667353 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652237 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667354 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667417 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652229 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659841 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659809 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667355 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652259 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667356 | XXXX | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1183 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received correct XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see an update XXXX and Non-agency Loan Approval Summary attached showing corrections in the loan amount - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Missing the Final XXXX reflecting the correct loan amount and terms. Loan amount per the Note is $XXX, XXXX (pg XX) reflects $XXX, as does lender approval (pg X). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see an update XXXX and Non-agency Loan Approval Summary attached showing corrections in the loan amount - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received correct XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 659842 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667418 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659817 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667357 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659794 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645318 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667358 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM5814 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-XX/XX/XXXX - TD Received executed final CD. No changes noted. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Consummation CD signed and dated by both bwrs. - Seller-XX/XX/XXXX Open-Final CD provided (pg XXX) is not executed by borrowers. Please provide executed copy. Additional findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached Consummation CD signed and dated by both bwrs. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received executed final CD. No changes noted. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 652247 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652286 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667419 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667322 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE4963 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Debt | No evidence of required debt payoff | Resolved-XX/XX/XXXX - TD Received additional page to CD reflecting additional paid off accounts. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete copy attached with page X. - Seller-XX/XX/XXXX Open-Both the Final CD and PCCD are missing the "see attached page" reflecting the additional accounts paid at close per the Final XXXX and total payoff and payment amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Complete copy attached with page X. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received additional page to CD reflecting additional paid off accounts. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 659843 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667420 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667359 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667360 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667361 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667296 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 667421 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659789 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659844 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659845 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667362 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659797 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667422 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667363 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659816 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 645319 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667364 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667365 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 652261 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659819 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received completed Patriot Act disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached complete version. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure No Selleroto ID or USA Patriot Act with ID information completed by the closing agent was provided. ID section not completed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached complete version. - Seller-XX/XX/XXXX |
Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received completed Patriot Act disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667366 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667315 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667367 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659812 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1159 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-XX/XX/XXXX - TD Received verification of policy enforce at closing. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Prior term attached. - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Missing current Hazard Insurance Dec page for XX/XX/XXXX. Hazard policy in file is for XX/XX/XXXX to XX/XX/XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Prior term attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received verification of policy enforce at closing. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667368 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667369 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667370 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD with cover letter and principal reduction applied - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Transfer Tax increased from $XXX to $XXX from the XXXeline LE to the Final CD. Missing evidence the borrower was reimbursed XXX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD with cover letter and principal reduction applied - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667370 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD with cover letter and principal reduction applied - Seller-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD with cover letter and principal reduction applied - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667370 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD with cover letter and principal reduction applied - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD with cover letter and principal reduction applied - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received PCCD issued XX/XX/XXXX reflecting XXX principal reduction to cure for amount over tolerance, LOE to borrower and evidence principal reduction applied to account. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667423 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667310 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-PPCD with cure for $XXX provided - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached PCCD & Pymt history showing a cure for an additional $XXX more than enough to cure exceeding charges in settlement charges. - Seller-XX/XX/XXXX Open-The Title Search Abstract Fee increased from $X to $XXX, and the Transfer Taxes Fee increased from $XXX to $XXX.XX from the XXXeline LE to the Final CD without a written COC. Missing evidence the borrower was reimbursed $XXX to cure these X% tolerance variances. The Final CD reflects a $.XX lender credit to cure the Transfer Tax fee variance. The remaining due borrower is $XXX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached PCCD & Pymt history showing a cure for an additional $XXX more than enough to cure exceeding charges in settlement charges. - Seller-XX/XX/XXXX |
Resolved-PPCD with cure for $XXX provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667310 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached PCCD & Pymt history showing a cure for an additional $XXX more than enough to cure exceeding charges in settlement charges. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached PCCD & Pymt history showing a cure for an additional $XXX more than enough to cure exceeding charges in settlement charges. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667310 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | |||||
| 667310 | XXXX | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | |||||
| 667424 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667299 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667425 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667293 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659846 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659847 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667371 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667426 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667372 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667292 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667427 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667428 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | A | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). XX/XX/XXXX - TD Received COC reflecting increase to increase to discount points. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX/XXXX - TD Received COC reflecting increase to increase to discount points. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review the following documents that include CD dated XX/XX, proof of Delivery, valid COC, and rate confirmation dated XX/XX. The increase in discount points was valid, and our borrower was aware and agreed to these changes. the final Cd dated XX/XX shows a lender credit for $XXX, which is the amount that we did as a cure for the increase in settlement charges. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Loan Discount fee increased from $XXX to $XXX, the Abstract/Title Search fee increased from $X to $XXX and the Notary fee increased from $X to $XX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. The final CD reflects a $XXX lender credit to cure the Abstract and Notary variance, however the borrower is still owed $XXX to cure the Loan Discount fee variance. Total violation is $XXX and remaining amount due borrower is $XXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review the following documents that include CD dated XX/XX, proof of Delivery, valid COC, and rate confirmation dated XX/XX. The increase in discount points was valid, and our borrower was aware and agreed to these changes. the final Cd dated XX/XX shows a lender credit for $XXX, which is the amount that we did as a cure for the increase in settlement charges. - Seller-XX/XX/XXXX |
Rescinded-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). XX/XX/XXXX - TD Received COC reflecting increase to increase to discount points. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667428 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received COC reflecting increase to increase to discount points. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please review the following documents that include CD dated XX/XX, proof of Delivery, valid COC, and rate confirmation dated XX/XX. The increase in discount points was valid, and our borrower was aware and agreed to these changes. the final Cd dated XX/XX shows a lender credit for $XXX, which is the amount that we did as a cure for the increase in settlement charges. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX. Remaining amount owed borrower is $XXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Could you please review the following documents that include CD dated XX/XX, proof of Delivery, valid COC, and rate confirmation dated XX/XX. The increase in discount points was valid, and our borrower was aware and agreed to these changes. the final Cd dated XX/XX shows a lender credit for $XXX, which is the amount that we did as a cure for the increase in settlement charges. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received COC reflecting increase to increase to discount points. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667373 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667306 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 659785 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - TD Received letter to borrower, PCCD and evidence of principal reduction of XXX to cure amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-PCCD and payment history reflecting PR uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - TD Received previously reviewed initial CD issued on XX/XX/XXXX and lock confirmation dated XX/XX/XXXX. Also received LOE from lender stating the changes in the settlement charges were caused due to a rate lock/relock or lock extension and that a system glitch caused the inability to generate the correct COC letter. Lender states the lender credit for $XXX listed on the consummation CD is enough to cure an increase in the transfer taxes. Unable to resolve as lock confirmation reflects the loan was locked on XX/XX/XXXX and revised LE issued on XX/XX/XXXX reflects loan was locked until XX/XX/XXXX. While initial CD issued on XX/XX/XXXX reflects a decrease to the interest rate, this would not result in title/settlement fees or transfer fees increasing. The following fees increased from the XXXeline LE to the final CD: X). The lender's title insurance increased from $X to XXX (variance of XXX). X). The settlement fee increased from $XXX to XXX (variance of $XXX). The final CD reflects the lender cured this $XXX variance. X). The transfer taxes increased from XXX to $XXX (variance of $XXX). Total X% tolerance variance is XXX. The final CD reflects a lender credit of $XXX, therefore the amount remaining due borrower is XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review attached documents that includes Initial CD dated XX/XX/XX, Rate lock dated XX/XX/XX, COC, proof of delivery and signature. The changes in the settlement charges were caused due to a rate lock/relock or lock extension, our system had a glitch that caused the inability to generate the correct COC letter, if you need an attestation letter please advise. Lender credit for $XXX listed on the consummation CD is enough to cure an increase in the transfer taxes. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Lender's TItle Insurance policy paid to lender's affiliate increased from $X to XXX, settlement fee paid to lender's affiliate increased from $XXX to XXX and transfer taxes increased from XXX to $XXX from the XXXeline LE to the Final CD without a valid COC. The XX/XX/XXXX COC (pg XXX) indicates the settlement charges increased due to a loan amount change however, the loan amount remained disclosed at $XXX from the initial XX/XX/XXXX LE to XX/XX/XXXX final CD making the justification of the XX/XX/XXXX COC to increase the lender's title insurance and transfer tax fees invalid. Lender provided a $XXX tolerance cure on the final CD to remedy the settlement fee tolerance violation. Missing evidence the borrower was reimbursed an additional XXX to fully cure the X% tolerance variance of XXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-PCCD and payment history reflecting PR uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review attached documents that includes Initial CD dated XX/XX/XX, Rate lock dated XX/XX/XX, COC, proof of delivery and signature. The changes in the settlement charges were caused due to a rate lock/relock or lock extension, our system had a glitch that caused the inability to generate the correct COC letter, if you need an attestation letter please advise. Lender credit for $XXX listed on the consummation CD is enough to cure an increase in the transfer taxes. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received letter to borrower, PCCD and evidence of principal reduction of XXX to cure amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 659785 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received letter to borrower, PCCD and evidence of principal reduction of XXX to cure amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD and payment history reflecting PR uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - TD Received previously reviewed initial CD issued on XX/XX/XXXX and lock confirmation dated XX/XX/XXXX. Also received LOE from lender stating the changes in the settlement charges were caused due to a rate lock/relock or lock extension and that a system glitch caused the inability to generate the correct COC letter. Lender states the lender credit for $XXX listed on the consummation CD is enough to cure an increase in the transfer taxes. Unable to resolve as lock confirmation reflects the loan was locked on XX/XX/XXXX and revised LE issued on XX/XX/XXXX reflects loan was locked until XX/XX/XXXX. While initial CD issued on XX/XX/XXXX reflects a decrease to the interest rate, this would not result in title/settlement fees or transfer fees increasing. The following fees increased from the XXXeline LE to the final CD: X). The lender's title insurance increased from $X to XXX (variance of XXX). X). The settlement fee increased from $XXX to XXX (variance of $XXX). The final CD reflects the lender cured this $XXX variance. X). The transfer taxes increased from XXX to $XXX (variance of $XXX). Total X% tolerance variance is XXX. The final CD reflects a lender credit of $XXX, therefore the amount remaining due borrower is XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review attached documents that includes Initial CD dated XX/XX/XX, Rate lock dated XX/XX/XX, COC, proof of delivery and signature. The changes in the settlement charges were caused due to a rate lock/relock or lock extension, our system had a glitch that caused the inability to generate the correct COC letter, if you need an attestation letter please advise. Lender credit for $XXX listed on the consummation CD is enough to cure an increase in the transfer taxes. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Lender's TItle Insurance policy paid to lender's affiliate increased from $X to XXX, settlement fee paid to lender's affiliate increased from $XXX to XXX and transfer taxes increased from XXX to $XXX from the XXXeline LE to the Final CD without a valid COC. The XX/XX/XXXX COC (pg XXX) indicates the settlement charges increased due to a loan amount change however, the loan amount remained disclosed at $XXX from the initial XX/XX/XXXX LE to XX/XX/XXXX final CD making the justification of the XX/XX/XXXX COC to increase the lender's title insurance and transfer tax fees invalid. Lender provided a $XXX tolerance cure on the final CD to remedy the settlement fee tolerance violation. Missing evidence the borrower was reimbursed an additional XXX to fully cure the X% tolerance variance of XXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PCCD and payment history reflecting PR uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Could you please kindly review attached documents that includes Initial CD dated XX/XX/XX, Rate lock dated XX/XX/XX, COC, proof of delivery and signature. The changes in the settlement charges were caused due to a rate lock/relock or lock extension, our system had a glitch that caused the inability to generate the correct COC letter, if you need an attestation letter please advise. Lender credit for $XXX listed on the consummation CD is enough to cure an increase in the transfer taxes. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - TD Received letter to borrower, PCCD and evidence of principal reduction of XXX to cure amounts over tolerance. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 659785 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Date Test | Resolved-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (XX CFR §XXXX.XX(f)(X)(v) ) The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date. The PCCD is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (XX CFR §XXXX.XX(f)(X)(v) ) The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date. The PCCD is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 659785 | XXXX | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Resolved-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (XX CFR §XXXX.XX(f)(X)(v) ) The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date. The PCCD is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (XX CFR §XXXX.XX(f)(X)(v) ) The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" and the post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date. The PCCD is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 667374 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667321 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667375 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667376 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667377 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667313 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667378 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667379 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667380 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667429 | XXXX | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FPRO0001 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Property | HOA General | Resolved-XX/XX/XXXX- received HOA Ledger with monthly HOA of $XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HOA ledger - Seller-XX/XX/XXXX Open-- Please provide verification HOA Dues for the subject property are $XXX/mo as stated on XXXX and XXXX in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. HOA ledger - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX- received HOA Ledger with monthly HOA of $XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 667305 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667312 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667381 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667431 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667432 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667382 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667308 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667433 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 667383 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667384 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667385 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667386 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667434 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667435 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667300 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667388 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 667318 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667323 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667301 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667389 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | RI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667320 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667436 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667390 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667391 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667319 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667392 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 667393 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 667394 | XXXX | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 385443 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 370280 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Travelers Ins cost to rebuild dated XX/XXXX at $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Please provide a current cost to rebuild from the insurance provider or a policy with dwelling coverage of at least the total of all liens or guaranteed replacement cost. Curative provided is a prior policy with a renewal date of XX/XX/XXXX and Cost Data effective XX/XXXX for$XXXX. The current policy that states replacement cost up to dwelling limit of$XXXX. The cost to rebuild is$XXXX and total of all liens is$XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received duplicate HOI policy that states replacement cost up to dwelling limit of$XXXX. The cost to rebuild is$XXXX and total of all liens is$XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per the document the coverage is sufficient. If this is not what is the amount required to clear this? - Seller-XX/XX/XXXX Open-Provide evidence of Guaranteed Replacement Coverage. Hazard policy reflects dwelling coverage of$XXXX which is less than the combined lien amounts of$XXXX.XX and cost to replace of$XXXX as reflected on the appraisal, evidence of guaranteed replacement or extended coverage was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Per the document the coverage is sufficient. If this is not what is the amount required to clear this? - Seller-XX/XX/XXXX |
Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Travelers Ins cost to rebuild dated XX/XXXX at $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 385444 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 370290 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1204 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Drive with Pass - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received Drive Report dated XX/XX/XXXX that still reflects outstanding high alerts not addressed as cleared by the lender. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated report - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received Drive report with uncleared High alert - please provide an updated report - Due Diligence Vendor-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts The Drive Report (pg XXX) uncleared high alerts. Provide updated report with high alerts cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Let me know if you need an updated one. - Seller-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Updated report - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Let me know if you need an updated one. - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Drive with Pass - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 370281 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 357324 | XXXX | B | A | A | A | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received seller's response: "we were told by Nicole, that the monthly payments had to be broken down to include the taxes and insurance on the URLA. That payment amount had to match the payment listed on the SellerL Payment History which in this case is$XXXX. If you take the current P&I listed on the Note which is the $XXXX and add the taxes and insurance currently being paid that total $XXXX. Add those together with the$XXXX it totals $XXXX so the actual payment being made is short on the URLA by$XXXX. We were told to add this amount to the P&I to arrive at the correct monthly payment that is now being made. $XXXX +$XXXX equals that amount on my transmittal$XXXX. " - Due Diligence Vendor-XX/XX/XXXX Counter-Ok, a while back we were told by Nicole, that the monthly payments had to be broken down to include the taxes and insurance on the URLA. That payment amount had to match the payment listed on the SellerL Payment History which in this case is$XXXX. If you take the current P&I listed on the Note which is the $XXXX and add the taxes and insurance currently being paid that total $XXXX. Add those together with the$XXXX it totals $XXXX so the actual payment being made is short on the URLA by$XXXX. We were told to add this amount to the P&I to arrive at the correct monthly payment that is now being made. $XXXX +$XXXX equals that amount on my transmittal$XXXX. My figures and ratios are correct. - Seller-XX/XX/XXXX Counter- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please provide corrected XXXX. Ratios are now correct, however, breakdown is incorrect. P&I does not change from Note on a FRM. The P&I should be $XXXX as shown on note, Taxes $XXXX, HOI $XXXX, Mortgage Insurance$XXXX, OTHER (escrow shortage)$XXXX = $XXXX + subject 2nd lien$XXXX = $XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Ok, a while back we were told, that the monthly payments had to be broken down to include the taxes and insurance on the URLA. That payment amount had to match the payment listed on the SellerL Payment History which in this case is$XXXX. If you take the current P&I listed on the Note which is the $XXXX and add the taxes and insurance currently being paid that total $XXXX. Add those together with the$XXXX it totals $XXXX so the actual payment being made is short on the URLA by$XXXX. We were told to add this amount to the P&I to arrive at the correct monthly payment that is now being made. $XXXX +$XXXX equals that amount on my transmittal$XXXX. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received XXXX which reflects the First P&I as$XXXX rather than$XXXX and therefore the DTI of XX.XX% is incorrect. Please provide a corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX or other lender approval documentation was not provided, income and debt gleaned from the final XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Ok, a while back we were told, that the monthly payments had to be broken down to include the taxes and insurance on the URLA. That payment amount had to match the payment listed on the SellerL Payment History which in this case is$XXXX. If you take the current P&I listed on the Note which is the $XXXX and add the taxes and insurance currently being paid that total $XXXX. Add those together with the$XXXX it totals $XXXX so the actual payment being made is short on the URLA by$XXXX. We were told to add this amount to the P&I to arrive at the correct monthly payment that is now being made. $XXXX +$XXXX equals that amount on my transmittal$XXXX. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received seller's response: "we were told by Nicole, that the monthly payments had to be broken down to include the taxes and insurance on the URLA. That payment amount had to match the payment listed on the SellerL Payment History which in this case is$XXXX. If you take the current P&I listed on the Note which is the $XXXX and add the taxes and insurance currently being paid that total $XXXX. Add those together with the$XXXX it totals $XXXX so the actual payment being made is short on the URLA by$XXXX. We were told to add this amount to the P&I to arrive at the correct monthly payment that is now being made. $XXXX +$XXXX equals that amount on my transmittal$XXXX. " - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 385445 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 385433 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 370292 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 373924 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 385434 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 405651 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - received revised CD dated XX/XX/XXXX and COC - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This loan is for Hall - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received revised CD fro wrong loan/borrower. CD reflects borrower XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the revised CD issued within X business days of the XX/XX/XXXX COC (pg XXX) and the revised CD issued within X business days of the XX/XX/XXXX lock extension COC (pg XXX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This loan is for Hall - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received revised CD dated XX/XX/XXXX and COC - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405651 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received an ICD issued XX/XX/XXXX for wrong property/loan. ICD reflects Diversatech Dr and loan amount $XXk, rather than subject property and loan amount $XXXk - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Curative not provided - received a CD for the wrong loan- borrower MYSIEWICZ rather than HALL. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg. XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405651 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Appraisal received - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Missing copy of the appraisal report performed by a certified or licensed appraiser. Documentation in file indicates borrower received a copy of an appraisal report on XX/XX/XXXX and a copy of the disaster inspection report on XX/XX/XXXX but copy of the appraisal report missing from file. Only the disaster inspection report is present in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Appraisal received - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 405651 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FPRO1242 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received appraisal dated XX/XX/XXXX at $XXXk - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing copy of the appraisal report. Documentation in file (pg XX) indicates the lender ordered an appraisal on XX/XX/XXXX but a copy of that appraisal report is not in file. Only the disaster inspection report (pg XX) completed on XX/XX/XXXX is in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received appraisal dated XX/XX/XXXX at $XXXk - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405651 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||||
| 405651 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3613 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 373925 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1964 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-XX/XX/XXXX received ID Child Support Case Statement with receipts from XX/XXXX to XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing divorce decree for Sharlena Stanley and XX months bank statements or other acceptable documentation reflecting XX months receipt of child support of XXXX/mo. Bank statements provided (pg XXXX-XXXX) reflect only X months receipt, guidelines require XX months receipt. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX received ID Child Support Case Statement with receipts from XX/XXXX to XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 393037 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 440070 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 469153 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1146 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received E&O - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is incomplete or only partially present The O&E provided does not include an attached E&O. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received E&O - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474290 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received executed LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing page X of the revised CD issued XX/XX/XXXX (pg.XXX). Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received executed LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 469156 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FVAL3825 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #DR-XXXX-GA, subject's county was impacted on XX/XX/XXXX, after appraisal inspection on XX/XX/XXXX and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 469156 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg.XXXX/XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474291 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 497329 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-- Subject County has been included in five fire-related FEMA Disaster Declarations after the time of the appraisal- XX/XX/XX; respectively #XXXX (includes Individual Assistance designation), #XXXX, #XXXX, #XXXX, and #XXXX. Please provide satisfactory re-inspection of property prior to purXXX of subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX – received Disaster Inspection report dated XX/XX/XX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497329 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1437 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Accounting provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please clarify for what else is needed please. - Seller-XX/XX/XXXX Open-Income and Employment Do Not Meet Guidelines - Loan was qualified using foster care income for which a calculator was not provided. Court orders in file do confirm a history of placement with the borrower dating to XXXX, which meets historical requirements as well as annual amount modification letters. A ledger or other documentation to confirm aggregate received is also missing- please provide. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please clarify for what else is needed please. - Seller-XX/XX/XXXX |
Resolved-Accounting provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 511683 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg. X), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 511683 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received revised CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the revised CD issued within X days of a valid COC. Additional Findings XXX apply. Missing the revised CD issued within three days of the XX/XX/XXXX rate lock extension (pg XX). The tracking log (pg X) shows a revised CD sent to the borrower on XX/XX/XXXX but a copy of the document is not in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received revised CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 511683 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 511683 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 511683 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 497333 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1158 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - hazard policy provided, effective XX/XX/XXXX to XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - curative not provided. Received an expired policy XX/XX/XX. Please provide the current policy with the annual premium amount. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Policy Partially Provided Please provide evidence of current policy premium. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - hazard policy provided, effective XX/XX/XXXX to XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497333 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FPRO0001 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Property | HOA General | Resolved-XX/XX/XX - provided XXXX and appraisal showing annual HOA $XXX/yr - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Please provide evidence of HOA dues and frequency of payment. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - provided XXXX and appraisal showing annual HOA $XXX/yr - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526955 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Affidavit of Facts Relating to Title signed XX/XX/XX reflecting liens do not belong to borrower, Erica L Sigmon. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property Title Issue - Prelim Title indicates two potential liens associated with the borrower; please provide a copy of the executed "Same-Name" Affidavit used by title agent to clear. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Affidavit of Facts Relating to Title signed XX/XX/XX reflecting liens do not belong to borrower, Erica L Sigmon. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526955 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-XX/XX/XX - received amended XXXX with income adjustment and DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX.XX% - Per XXXX in file, lender qualified the subject payment at a X.XXX% Interest Rate and XX.XX% DTI. Actual rate per the Note, XX.XXX%, which brings the payment to $XXX.XX, which matches Final XXXX signed by borrower, and results in a DTI of XX.XX%. Please provide acceptable Investor Exception to permit expanded ratios or supportive documentation to bring DTI in line. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received amended XXXX with income adjustment and DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 525203 | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL9739 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-XX/XX/XX - received complete corrected appraisal report - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Have uploaded the full Appraisal. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received a portion of page "snip" from the appraisal showing Date of Prior Sale/Transfer of XX/XX/XXXX rather than XX/XX/XXXX. Please provide the complete corrected appraisal report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received duplicate appraisal with same prior sale date. Please provide revised appraisal correcting this, or, if accurate, updated Title work and supporting information for rapid increase in value from XXXuary XXXX to XXX XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-- Appraisal indicates the subject was sold XX/XX/XXXX for $XXX,XXX, however Title indicates the borrower has owned since XX/XX/XX. Please provide revised appraisal correcting this, or, if accurate, updated Titlework and supporting information for rapid increase in value from XXXuary XXXX to XXX XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Have uploaded the full Appraisal. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received complete corrected appraisal report - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 526956 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1262 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Right of Rescission is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526956 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Provide executed and notarized Name Affidavit for borrower(s). | Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed Name Affidavit - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide executed and notarized Name Affidavit - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Name Affidavit Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed Name Affidavit - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526956 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1167 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-XX/XX/XX - received cost to rebuild $XXXX,XXX. Coverage per policy replacement cost coverage and with XX% expanded replacement cost is $XXXX,XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-- Please provide a copy of the insurer's RCE tool to confirm sufficient coverage is in place as per declarations page in file, standard coverage is $XXX,XXX with a XX% increased coverage endorsement totaling $XXX,XXX. Combined subject loan and first lien is $XXX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received cost to rebuild $XXXX,XXX. Coverage per policy replacement cost coverage and with XX% expanded replacement cost is $XXXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526956 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1596 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Debt | HELOC being paid with proceeds without condition for Closure Letter | Resolved-XX/XX/XXXX - received recorded Release of Mortgage for HELOC - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - curative not provided. Received subject rate lock confirmation. Please provide the subordinate executed HELOC closure letter or evidence the line has been closed. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-- Please provide fully executed HELOC Closure Letter from the borrowers confirming the line will be closed at the time of disbursement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received recorded Release of Mortgage for HELOC - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 536644 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing initial CD. Per the Closing Instructions (pg XXX), the initial CD was received by the borrower on XX/XX/XXXX. Compliance is incomplete. Additional findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 536645 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Initial CD ate XX/XX/XXXX as verified from the Disclosure Tracking Summary on page XXX. Additional Findings XXX apply upon receipt - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 545365 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Initial CD that was issued XX/XX/XXXX per the Disclosure Tracking Summary and the COC - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526957 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD and evidence the borrower received the disclosure X days prior to consummation. Additional findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526957 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Cure of $XX provided with final CD - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Cure of $XX provided with final CD - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 623959 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MS | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 563780 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 554370 | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL3525 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Valuation product is deficient | Resolved-XX/XX/XX - received AVM dated XX/XX/XX $XXX,XXX with XX% confidence. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The valuation provided is missing the appraiser’s license information. Please note that per Client guidelines, BPOs are not allowed and valuations must be performed by a licensed appraiser. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received AVM dated XX/XX/XX $XXX,XXX with XX% confidence. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 554371 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1366 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Award Letter Missing | Resolved-Borrower X Award Letter Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received X months paystubs for pension and SSI benefit letter for XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Award Letter Missing Missing award letters for pension and SS income for BX, or most recent XXXX or bank statements for most recent two months showing deposit of funds. No income documentation provided for BX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Award Letter Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received X months paystubs for pension and SSI benefit letter for XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 554371 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM5135 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-XX/XX/XX - no affiliate's to disclose, no tolerance variance noted - Due Diligence Vendor-XX/XX/XXXX Ready for Review- Good morning/Afternoon, For the Affiliated Business Disclosure Seller Home Lending does not have this arrangement with the state of XXX, Please clear the exception. - Seller-XX/XX/XXXX Open-Required Affiliated Business Disclosure Missing Missing evidence that Affiliated Business Disclosure was provided to borrower within X days of loan application date or evidence that the lender has no affiliations to disclose. Fees were listed in section B on the Final CD and tested at X% tolerance, no variance is noted. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- Good morning/Afternoon, For the Affiliated Business Disclosure Seller Home Lending does not have this arrangement with the state of XXX, Please clear the exception. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - no affiliate's to disclose, no tolerance variance noted - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 554371 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided. Income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563776 | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1030 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received FPD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Missing Financial Property OPT Out Notice - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received FPD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563776 | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided, income and debt gleaned from other lender documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 577560 | XXXX | C | A | B | A | C | A | N/A | N/A | Closed | finding-709 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | State Reg | TX Constitution A6 Total Indebtedness Test | Resolved-XX/XX/XX - received Seller showing the principal balance on the senior at the time of loan closing was $XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/X - received XXXX with CLTV of XX%. However, the CLTV of XX.XX% exceeds state homestead maximum of XX% XXXed on documentation showing 1st mortgage balance of $XX,XXX from Seller Home pay history (pg XXX) dated XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the total indebtedness test due to one of the following findings: (XXX Constitution, Article XX, Section XX (a)(X)(B), as amended XXXt. XXXX)The loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XX% of the fair market value of the homestead on the date the extension of credit is made.No CLTV ratio was provided. For TX Constitution AX this information is required to determine if the loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XX% of the fair market value of the homestead on the date the extension of credit is made. CLTV of XX.XX% exceeds state homestead maximum of XX%. Used 1st mortgage balance of $XX,XXX from account history (pg XXX) dated XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received Seller showing the principal balance on the senior at the time of loan closing was $XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 577560 | XXXX | C | A | B | A | C | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided. Income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581553 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1441 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-XX/XX/XX - received documentation verifying timeshare not subject to foreclosure guidelines. - Due Diligence Vendor-XX/XX/XXXX Cured-XX/XX/XX - received documentation verifying timeshare not subject to foreclosure guidelines. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See provided response from UW Manager. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received pay history for senior loan, however the deed in lieu occurred on real estate trade in favor of Westgate Resorts Ltd in XX/XXXX after XXX days delinquent reported on credit report provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Credit report (pg XXX) reflects deed in lieu of foreclosure on mortgage to Westgate Resorts on XX/XX/XXXX. Guidelines (pgs XX and XX) require X years since since deed in lieu on any mortgage regardless of occupancy. No LOE provided regarding deed in lieu. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See provided response from UW Manager. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received documentation verifying timeshare not subject to foreclosure guidelines. - Due Diligence Vendor-XX/XX/XXXX Cured-XX/XX/XX - received documentation verifying timeshare not subject to foreclosure guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 581553 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1764 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-XX/XX/XX - received VOM pay history from Green Seller Servicing XX/XXXX to XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see previous servicer history provided by Lender. - Seller-XX/XX/XXXX Open-Missing complete XX month housing history. Credit report (pg XXX) reflects rating through XX/XX/XXXX, at which time mortgage was transferred. Missing rating since loan was transferred. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see previous servicer history provided by Lender. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received VOM pay history from Green Seller Servicing XX/XXXX to XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 581553 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received evidence that variance in P&I is due to escrow shortage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received XXXX with correct loan amount, however the senior P&I is not consistent with the senior Note provided. Please provide a corrected XXXX or evidence of any monthly MI included in the senior P&I reflected on the XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received XXXX with incorrect loan amount of $XXk and P&I of $XXX.XX. Provided corrected XXXX reflecting final loan terms and DTI. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The final XXXX was not provided. Income and debt gleaned from other documenation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received evidence that variance in P&I is due to escrow shortage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 581553 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Cure with FCD - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - written COCs provided for increase to fees noted - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Discount points increased again from $XX to $XXXX.XX– This was disclosed on the XX/XX/XX COC that has been provided. Transfer taxes increased from $XXX to $XXX– this was disclosed on the XX/XX/XX COC that has been provided. Credit Report Fee increased from $XXX to $XXX – Lender cure applied to CD $XXX - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The discount points increased from $X to $X,XXX.XX, the transfer taxes increased from $XXX to $XXX and the credit report increased from $XX to $XXX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $X,XXX.XX to cure the X% tolerance variance. The final CD reflects $XXX lender credit to cure amount over tolerance, however remaining amount due borrower is $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Discount points increased again from $XX to $XXXX.XX– This was disclosed on the XX/XX/XX COC that has been provided. Transfer taxes increased from $XXX to $XXX– this was disclosed on the XX/XX/XX COC that has been provided. Credit Report Fee increased from $XXX to $XXX – Lender cure applied to CD $XXX - Seller-XX/XX/XXXX |
Resolved-Cure with FCD - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - written COCs provided for increase to fees noted - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 581553 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - written COCs provided for increase to fees noted - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Discount points increased from $X to $XX due to rate lock extension – this was disclosed on the XX/XX/XX COC that has been provided. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The discount points increased from $X to $X,XXX.XX, the transfer taxes increased from $XXX to $XXX and the credit report increased from $XX to $XXX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $X,XXX.XX to cure the X% tolerance variance. The final CD reflects $XXX lender credit to cure amount over tolerance, however remaining amount due borrower is $X,XXX.XX. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Discount points increased from $X to $XX due to rate lock extension – this was disclosed on the XX/XX/XX COC that has been provided. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - written COCs provided for increase to fees noted - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 581553 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | finding-3536 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. ( XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX CFR §XXXX.XX(e)(X)(i) )The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure) and §XXXX.XX(e)(X)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count XXXed on the client preferences configured on the company settings business days profile page:As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms.Official InterpretationsXX C.F.R. §XXXX.XX(e)(X)(ii)Relationship to disclosures required under §XXXX.XX(f)(X)(i).Revised disclosures XXX not be delivered at the same time as the Closing Disclosure. §XXXX.XX(e)(X)(ii) prohibits a creditor from providing a revised version of the disclosures required under §XXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXX.XX(f)(X)(i)...However, if a creditor uses a revised estimate pursuant to § XXXX.XX(e)(X)(iv) for the purpose of determining good faith under § XXXX.XX(e)(X)(i) and (ii), § XXXX.XX(e)(X)(i) permits the creditor to provide the revised estimate in the disclosures required under § XXXX.XX(f)(X)(i) (including any corrected disclosures provided under § XXXX.XX(f)(X)(i) or (ii)). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||||
| 545367 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XX - received LE issued XX/XX/XX with COC - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX COC/LE provided - Seller-XX/XX/XXXX Open-Missing Revised Loan Estimate date XX/XX/XXXX. Additional findings XXX apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX/XX COC/LE provided - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received LE issued XX/XX/XX with COC - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 545367 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Initial CD dated XX/XX/XXXX per Disclosure Tracking Summary page XXX. Additional findings XXX apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 545368 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 588130 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1329 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Resolved-Borrower X w2X/XXXX Less Than XX or More Months Provided Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX and XXXX w2s for Eat Porter County School Corp - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received WVOE with XXXX and XXXX income, however Client guidelines do not allow for WVOE to be used in lieu of other required documentation to substantiate income. XXXX and XXXX w2s need to be provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Loan took app in XXXX with borrower start date of XX/XX/XXXX. Please see WVOE as it reflects YTD, XXXX and XXXX income. WVOE provided. - Seller-XX/XX/XXXX Open-Borrower X w2X/XXXX Less Than XX Months Provided Missing XXXX and XXXX w2s from XXX County School Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Loan took app in XXXX with borrower start date of XX/XX/XXXX. Please see WVOE as it reflects YTD, XXXX and XXXX income. WVOE provided. - Seller-XX/XX/XXXX |
Resolved-Borrower X w2X/XXXX Less Than XX or More Months Provided Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX and XXXX w2s for Eat Porter County School Corp - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588130 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received verification of MI pymt and explanation regarding how Seller UWs are calculating the senior liens pymt. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX Counter-XX/XX/XX - received XXXX, however the senior P&I is not consistent with the senior Note provided. Please provide a corrected XXXX or evidence of any monthly MI included in the senior P&I reflected on the XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary XXXX not provided. Income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received verification of MI pymt and explanation regarding how Seller UWs are calculating the senior liens pymt. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588130 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received COC issued XX/XX/XX reflecting increase of discount points. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COC/LE XX/XX/XX disclosed an increase to the discount points to $XXX.XX - See provided COC form. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Discount Points increased from $XXX to $XXX.XX from the XXXeline LE to the final CD without a written COC. Missing verification the borrower was reimbursed $XXX.XX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. COC/LE XX/XX/XX disclosed an increase to the discount points to $XXX.XX - See provided COC form. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC issued XX/XX/XX reflecting increase of discount points. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588130 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-1058 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | IN HLPA High Cost Home Loan Points and Fees Threshold Test | Resolved-XX/XX/XX - received reimbursement of $XX.XX applied to principal to cure high cost - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - Unable to open attachment (XXXX), however seller's comments regarding fees and max allowable are in regards to the Higher Priced Mortgage fees, however the finding is for High Cost Home Loan Points and Fees and include the closing protection letter, flood cert, discount points, processing fee and settlement fee which total $X,XXX.XX. Max allowable is $X,XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per our XXXX compliance report the max points and fees for this loan is $XXXX.XX, and the total fees are $XXXX.XX, we are below the limit. See provided final XXXX report - Seller-XX/XX/XXXX Open-This loan failed the points and fees threshold test due to one of the following findings: (IN HB XXXX, § XX, XX-X-X-X)The home loan has a loan principal of $XX,XXX.XX or more and has total points and fees that exceed X% of the loan principal; orThe home loan has a loan principal of less than $XX,XXX.XX and has total points and fees that exceed X% of the loan principal. This loan failed the points and fees threshold test due to one of the following findings: (IN HB XXXX, § XX, XX-X-X-X). The home loan has a loan principal of less than $XX,XXX.XX and has total points and fees that exceed X% of the loan principal. Max allowable points and fees is $X,XXX, however loan has $X,XXX.XX in points and fees. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Per our XXXX compliance report the max points and fees for this loan is $XXXX.XX, and the total fees are $XXXX.XX, we are below the limit. See provided final XXXX report - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received reimbursement of $XX.XX applied to principal to cure high cost - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588130 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XX - received COC issued XX/XX/XX reflecting increase of discount points. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC issued XX/XX/XX reflecting increase of discount points. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 588130 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 577566 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1201 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Drive Report with no alerts - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Drive Report with no alerts - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 577566 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1030 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Privacy Disclosure provided at application - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Hopefully this one opens up. - Seller-XX/XX/XXXX Counter-XX/XX/XX - Error trying to open cure provided: Error><Code>NoSuchKey</Code><MesClient>The specified key does not exist.</MesClient> <Key>XXXX/upload/data/XXXX/XX/XX/XeXfXXXX-XXeX-XeXf-bXXX-XXeXdXXXbfXXX/Privacy Policy Notice.pdf</Key><RequestId>EZXXHRSXXFYTXSXX</RequestId><HostId>XlgiByPWqZoXX/pmceVnLmFNfdlyYXxw2pJXSCLesXMXdBDXjFqXUVJojpVxilXXkXHtvVQiI+wk=</HostId></Error> - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received tracking log for final closing documents only. Please provide the Federal Privacy disclosure provided to the borrower at application - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - unable to open curative provided: <Error> <Code>NoSuchKey</Code> <MesClient>The specified key does not exist.</MesClient> <Key>XXXX/upload/data/XXXX/XX/XX/XdXXdcXf-XXXX-XeXX-XXXX-fXXcXcdXbXXX/Privacy Policy Notice.pdf</Key> <RequestId>HZQGEPRXMXCFXDVM</RequestId> <HostId>XVVXbXw2CkHDXzXlXYWejHdXkrdGQXTcyXZPKXXXNFUFXWPXXBXUOXiNsOhbjGumEBKaTbobXXo=</HostId> </Error> - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete - Please provide evidence of date provided to borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Hopefully this one opens up. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Privacy Disclosure provided at application - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 577566 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received corrected XXXX and XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received XXXX with senior P&I as $X,XXX.XX rather than $XXX.XX resulting in a DTI variance > X%. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary - Please provide lender's XXXX from final approval. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received corrected XXXX and XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 563777 | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided, income and debt gleaned from the final AUS or other lender approval documentation. Additional findings XXX be required upon receipt. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 577567 | XXXX | D | A | B | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received signed FCD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received unexecuted CD issued XX/XX/XX. Please provided signed FCD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing the executed Final CD. Compliance testing is incomplete. Additional Findings XXX apply upon receipt and review. A PCCD issued on XX/XX/XX and received by the borrower on XX/XX/XX is provided (pg XXX). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received signed FCD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 577567 | XXXX | D | A | B | A | D | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided, income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 581558 | XXXX | D | A | C | A | C | A | N/A | N/A | Closed | FVAL8946 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Appraisal | Resolved-XX/XX/XX - received AVM dated XX/XX/XX at $XXX,XXX, XX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing appraisal or other valuation product, per guidelines. ClearCapital invoice (pg XXX) reflects an AVM was ordered, however it is not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received AVM dated XX/XX/XX at $XXX,XXX, XX% - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581558 | XXXX | D | A | C | A | C | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received breakdown of OITIA with monthly MI - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XX - received XXXX with senior P&I of $X,XXX.XX Per senior Note, P&I is XXXX.XX. Please provide correct XXXX or explanation for the difference. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary Final XXXX not provided. Income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received breakdown of OITIA with monthly MI - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581558 | XXXX | D | A | C | A | C | A | N/A | N/A | Closed | FCRE5393 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Mortgage Insurance Defect | Resolved-XX/XX/XX - received breakdown of PITI with MI on senior loan - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The PI on the original loan XXXX.XX + $XXX.XX + (additional $XX.XX) comes out to $XXXX.XX..when you add the taxes and insurance you come out with the $XXXX.XX excluding the HOA. Provided account history showing monthly MI disbursements. - Seller-XX/XX/XXXX Open-Missing verification on monthly MI amount on first mortgage. Note reflects first mortgage is an FHA loan, however no documentation is provided verifying MI amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The PI on the original loan XXXX.XX + $XXX.XX + (additional $XX.XX) comes out to $XXXX.XX..when you add the taxes and insurance you come out with the $XXXX.XX excluding the HOA. Provided account history showing monthly MI disbursements. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received breakdown of PITI with MI on senior loan - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581558 | XXXX | D | A | C | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received COC dated XX/XX/XX for increase to points - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Increase in discount points was disclosed to the borrower on the XX/XX/XX LE/COC. COC form has been provided - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The discount points increased from $X to $XXX from the initial LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $XXX to cure X% tolerance variance. The discount increased on the revised LE issued on XX/XX/XX (pg XX), however no COC was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Increase in discount points was disclosed to the borrower on the XX/XX/XX LE/COC. COC form has been provided - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC dated XX/XX/XX for increase to points - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581558 | XXXX | D | A | C | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 581558 | XXXX | D | A | C | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 624376 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 642998 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 624377 | XXXX | D | A | A | A | A | A | N/A | N/A | Closed | FVAL8946 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Appraisal | Resolved-XX/XX/XXXX - received AVM dated XX/XX/XXXX at $XXX, XX% confidence. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing valuation documentation to verify value used to qualify. No appraisal, Desk Review or AVM was provided. Value gleaned from lender approval to calculate LTV/CLTV. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received AVM dated XX/XX/XXXX at $XXX, XX% confidence. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 623958 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 588033 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCOM1641 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Closing | Mortgage/DOT notary acknowledgement is defective. Provide corrected notary acknowledgement and Notice of Intent to Re-record or fully executed notary affidavit with Notice of Intent to Record. | Resolved-XX/XX/XX - received DOT with correct notary acknowledgment date. - Due Diligence Vendor-XX/XX/XXXX Cured-XX/XX/XX - received DOT with correct notary acknowledgment date. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Notary date is incomplete. The notary acknowledgment date is blank. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received DOT with correct notary acknowledgment date. - Due Diligence Vendor-XX/XX/XXXX Cured-XX/XX/XX - received DOT with correct notary acknowledgment date. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588033 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1030 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-XX/XX/XX - received privacy policy disclosure. - Due Diligence Vendor-XX/XX/XXXX Cured-XX/XX/XX - received privacy policy disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Please provide Federal Financial Privacy Opt-Out Notice - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received privacy policy disclosure. - Due Diligence Vendor-XX/XX/XXXX Cured-XX/XX/XX - received privacy policy disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588033 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE0034 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Credit History and Liabilities Was Not Properly Considered | Resolved-XX/XX/XX - received explanation that variance in payment is due to escrow shortage being included. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See PDF attached for explanation from UW Manager. ( the discrepancy is due to the borrower having had an escrow adjustment causing the current payment to be greater than what is reflected on the Note. We use the higher amount to avoid understating DTI. - Seller-XX/XX/XXXX Open-ATR: Credit History and Liabilities Was Not Properly Considered The senior P&I does not match the P&I reflected on the senior Note. Please provide evidence of MIP monthly premiums and evidence for additional 'other' charge of $XX.XX reflected on XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See PDF attached for explanation from UW Manager. ( the discrepancy is due to the borrower having had an escrow adjustment causing the current payment to be greater than what is reflected on the Note. We use the higher amount to avoid understating DTI. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received explanation that variance in payment is due to escrow shortage being included. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588033 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1183 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-XX/XX/XX - received explanation that variance in payment is due to escrow shortage being included. - Due Diligence Vendor-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Please provide corrected XXXX reflecting the P&I and MIP accurately broken out. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XX - received explanation that variance in payment is due to escrow shortage being included. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 588034 | XXXX | D | A | A | A | A | A | N/A | N/A | Closed | FVAL8946 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Appraisal | Resolved-XX/XX/XX - received AVM dated XX/XX/XX with XX% confidence - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-No appraisal was provided. Value taken from final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received AVM dated XX/XX/XX with XX% confidence - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 623955 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 602613 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 642999 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - TD Received COCs issued on XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-XX/XX/XXXX - TD Received COCs issued on XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COC XX/XX – Discount points added $XXX. COC XX/XX – Discount points increased to $XXX. See provided COC forms. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Loan Discount Points increased from XXXX to $XXXX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. Total variance for both X% and XX% fees is $XXX. Final CD reflects lender credit of $XXX. Remaining amount due borrower is $XXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. COC XX/XX – Discount points added $XXX. COC XX/XX – Discount points increased to $XXX. See provided COC forms. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received COCs issued on XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 642999 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XXXX - TD Received COCs issued on XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COC XX/XX – Discount points added $XXX. COC XX/XX – Discount points increased to $XXX. See provided COC forms. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX. Remaining amount due borrower is $XXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. COC XX/XX – Discount points added $XXX. COC XX/XX – Discount points increased to $XXX. See provided COC forms. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received COCs issued on XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 642999 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-XX/XX/XXXX - TD Received COCs issued on XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-XX/XX/XXXX - TD Received COCs issued on XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COC XX/XX – Discount points added $XXX. COC XX/XX – Discount points increased to $XXX. See provided COC forms. - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). The Recording Fees increased from $XXX to $XXX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. Total variance for both X% and XX% fees is $XXX. Final CD reflects lender credit of $XXX. Remaining amount due borrower is $XXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. COC XX/XX – Discount points added $XXX. COC XX/XX – Discount points increased to $XXX. See provided COC forms. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received COCs issued on XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 642999 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3529 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX CFR §XXXX.XX(e)(X)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count XXXed on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 643001 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE8611 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-XX/XX/XXXX - TD Award letter reflects receipt is for lifetime. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The letter in the file from XXXX states that the benefit is payable for his lifetime. It started in XXXX. - Seller-XX/XX/XXXX Open-Missing current income documentation of US Bank Annuity for $XXX for BX. Income document in file is from XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The letter in the file from XXXX states that the benefit is payable for his lifetime. It started in XXXX. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Award letter reflects receipt is for lifetime. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 643002 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 643003 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 385435 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 440069 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE4963 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Debt | No evidence of required debt payoff | Resolved-XX/XX/XX - Received XXX statements reflecting minimum payment amounts, which were already included in DTI. Updated guidelines do not require payoff of Open Accts, therefore finding is resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Both the minimum payments were included in the DTI. - Seller-XX/XX/XXXX Open-Borrower has X open XX-day XXX accounts (#XXXX with a balance of $XX,XXX and #XXXX with a balance of $X,XXX). Guidelines require all open accounts with a balance be paid off at closing; debt not paid at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Both the minimum payments were included in the DTI. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Received XXX statements reflecting minimum payment amounts, which were already included in DTI. Updated guidelines do not require payoff of Open Accts, therefore finding is resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 440069 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-XX/XX/XX - received final XXXX with DTI of XX.XXX and CLTV XX.XXX - Due Diligence Vendor-XX/XX/XXXX Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary Missing final XXXX that includes the senior first lien. DTI and CLTV do not include the senior lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received final XXXX with DTI of XX.XXX and CLTV XX.XXX - Due Diligence Vendor-XX/XX/XXXX Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 357219 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 370294 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 370282 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WY | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 357325 | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL3525 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Valuation product is deficient | Resolved-XX/XX/XXXX - received seller response that only first X pages of the full appraisal being re-certified is provided in the image file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing pages X through X of the prior full appraisal(pg. XXXX) being recertified with the Desk Review provided (pg. XX) for the subject transaction. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received seller response that only first X pages of the full appraisal being re-certified is provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Provided in image file: Residential Evaluation report - pg.21 First 2 pages of appraisal - pg XXX623 |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||
| 385450 | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE6911 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Eligibility | DTI exceeds program maximum | Resolved-XX/XX/XX - received revised income calc worksheet, XXXX and unexecuted final XXXX with revisions. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Income has been calculated to include the use of XXXe and Average Overtime income XXXed on Written VOE and pay stub dated XX/XX/XXXX. The DTI now reflects the Schedule ‘C’ loss that was missed at final review. - Seller-XX/XX/XXXX Open-Provide explanation for loss not included in lender income calculation: Tax returns have Schedule C income/loss for borrower for both XXXX (pg XXXX) and XXXX (pg XXXX) as an auto broker. Both years reflect a loss for a XX month average of ($XXX.XX)/mo. There is no documentation indicating if borrower still is working as an auto broker. Upon review of the Schedule Cs, it appears borrower is using business to write off expenses for tax purposes, there does not appear to be any actual losses. If the loss is included in qualifying the DTI is XX.XX%. Loss was not included for review purposes. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Income has been calculated to include the use of XXXe and Average Overtime income XXXed on Written VOE and pay stub dated XX/XX/XXXX. The DTI now reflects the Schedule ‘C’ loss that was missed at final review. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received revised income calc worksheet, XXXX and unexecuted final XXXX with revisions. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 405653 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Seller provided revised LE - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Revised LE, per the Disclosure Tracking Details (pg. XXX), the revised LE was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Seller provided revised LE - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405653 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM8227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - received revised LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Revised LE, per the Disclosure Tracking Details (pg. XXX), the revised LE was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received revised LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405653 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-Seller provided initial CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD and evidence the borrower received the disclosure X days prior to consummation. The initial CD, per the Disclosure Tracking Details (pg. XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Seller provided initial CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405653 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Seller provided revised CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the revised CD. The revised CD, per the Disclosure Tracking Details (pg. XXX), was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Seller provided revised CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 370283 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ME | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 370293 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 357330 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 370284 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCOM1231 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed initial XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received an unexecuted XXXX printed on XX/XX/XXXX, which is the closing date. Please provide the executed initial XXXX that is consistent with the lock date used as the application date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Hopefully this will clear the condition. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Still missing the initial XXXX. Received the executed Final XXXX signed XX/XX/XXXX and a XXXX signed by the LO only on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Initial XXXX is Missing Initial XXXX not provided in image file. Application sourced from Lender lock (pg XXXX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Hopefully this will clear the condition. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed initial XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 373926 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1294 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Income X Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Open-Income X Months Income Verified is Missing - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX XXXX-NEC with income of$XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Income X Months Income Verified is Missing - Final XXXX indicates co-borrower operates a side business as an independent contractor with a Schedule C beginning in XXXX. While no positive income was stated, tax returns and P&L statements were not included to verify no losses incurred which must be added to the DTI; please provide. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Income X Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX XXXX-NEC with income of$XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 393038 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received FL form Checklist of Coverage and replacement cost up to stated value - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Have uploaded a list from the Insurance provider check list as they state they do not provide RCE - Seller-XX/XX/XXXX Open-Provide evidence of Guaranteed Replacement Coverage. Hazard policy reflects dwelling coverage is less than the total the combined liens and no cost to re-build was provided or extended replacement cost coverage reflected on the policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Have uploaded a list from the Insurance provider check list as they state they do not provide RCE - Seller-XX/XX/XXXX |
Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received FL form Checklist of Coverage and replacement cost up to stated value - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 393038 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1623 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Final 1008 Uniform Underwriting and Transmittal Summary | Resolved-XX/XX/XXXX - XXXX provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final XXXX was not provided, income and debt gleaned from the final AUS or other lender approval documentation. The final XXXX in file does not reflect the actual loan amount, the Flood insurance, and correct payment on subject second. The DTI is incorrect - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - XXXX provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 393038 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM8227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XX -received the XX/XX/XXXX LE as the initial LE - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. The Disclosure Tracking on page XXX & XXX reflects an Initial Loan Estimate dated XX/XX/XXXX. Compliance testing is incomplete. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX -received the XX/XX/XXXX LE as the initial LE - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 393038 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FPRO1242 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - full appraisal provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Full Appraisal. Broker opinions provided only. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - full appraisal provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 393038 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FPRO2245 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Property | Property | Property is located in a FEMA Declared Disaster Area | Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per FEMA Disaster Declaration #XXXX subject's county was impacted on XX/XXXX, after an appraisal inspection and Individual Assistance has been authorized. Please provide a satisfactory re-inspection confirming no impact to the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX – received Disaster Inspection report dated XX/XX/XXXX reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 370285 | XXXX | D | A | A | A | C | A | N/A | N/A | Closed | FCOM0018 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received evidence of borrower receipt of copy of appraisal XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received evidence of borrower receipt of copy of appraisal XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 370285 | XXXX | D | A | A | A | C | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-XX/XX/XXXX - appraisal was completed by an appraiser and evidence of borrower receipt of a copy was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - appraisal was completed by an appraiser and evidence of borrower receipt of a copy was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 370285 | XXXX | D | A | A | A | C | A | N/A | N/A | Closed | FVAL8946 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Appraisal | Resolved-XX/XX/XXXX - received appraisal dated XX/XX/XXXX for $XXXk - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Guidelines require a Desktop Appraisal or recert of recent full appraisal. No valuation was provided, however an Appraisal Fee was charged on the Final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received appraisal dated XX/XX/XXXX for $XXXk - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 370295 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 373927 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 370296 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1026 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Subject Property Insurance Policy does not provide Guaranteed Replacement Coverage | Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Allstate cover letter stating HOI policy effective XX/XX/XXXX - XX/XX/XX has extended dwelling coverage of XX% for total of$XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide evidence of Guaranteed Replacement Coverage. Hazard policy reflects dwelling coverage of $XXX,XXX that is less than the combined liens ($XXX,XXX.XX), cost to replace reflected on the appraisal ($XXX,XXX) or the replacement cost estimate provided by the insurer ($XXX,XXX). Policy does not indicate guaranteed replacement cost. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Guaranteed Replacement Coverage Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Allstate cover letter stating HOI policy effective XX/XX/XXXX - XX/XX/XX has extended dwelling coverage of XX% for total of$XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 385436 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 415322 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - initial CD provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg.XXXX/XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - initial CD provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415322 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-PCCD provided, no additional variance noted for missing LE - Due Diligence Vendor-XX/XX/XXXX Open-Missing the revised LE issued on XX/XX/XXXX, per the Disclosure Tracking Details (pg.XXXX/XXX), and the COC (pg.XXX). Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PCCD provided, no additional variance noted for missing LE - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 415322 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the revised CD issued XX/XX/XXXX per the Disclosure Tracking Details (pg.XXXX/XXX). Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Revised CD provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415322 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM3527 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Post Consummation CD issued improperly | Resolved-XX/XX/XXXX - PCCD provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The PCCD issued XX/XX/XXXX reflects a Closing Date of XX/XX/XXXX, however the loan was consummated on XX/XX/XXXX. No corrective PCCD was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - PCCD provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415322 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3734 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID foreclosure rescission total of payments test. ( XX CFR §XXXX.XX(h)(X)(ii) )The total of payments is $XXX,XXX.XX. The disclosed total of payments charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID foreclosure rescission total of payments test. ( XX CFR §XXXX.XX(h)(X)(ii) )The total of payments is $XXX,XXX.XX. The disclosed total of payments charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 415322 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3732 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 393040 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 385446 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE7551 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Divorce Decree | Resolved-XX/XX/XXXX - received divorce decree, updated XXXX and XXXX reflecting monthly child support of$XXXX, DTI adjusted to XX.XXX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing divorce decree or child support order reflecting borrower obligation of $X,XXX/mo in child support. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received divorce decree, updated XXXX and XXXX reflecting monthly child support of$XXXX, DTI adjusted to XX.XXX% - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 527553 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 385437 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 370297 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 405646 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- *** Seller provided revised CDs / no additional findings - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing two revised CD's; both issued XX/XX/XXXX per the disclosure tracking summary (pg.XXXX/XXX/XXX). Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved- *** Seller provided revised CDs / no additional findings - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415323 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCRE1620 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415323 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- *** Seller provided Initial CD / no additional findings - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD and evidence the borrower received the disclosure X days prior to consummation, compliance testing is incomplete. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved- *** Seller provided Initial CD / no additional findings - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415323 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- *** Seller provided revised LE and COC / no additional findings - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the revised LE issued XX/XX/XXXX and corresponding COC per the Loan Data Comparison (pg.XXX). Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved- *** Seller provided revised LE and COC / no additional findings - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405647 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1146 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-XX/XX/XXXX - received E&O - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is incomplete or only partially present The O&E provided does not include an attached E&O. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received E&O - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405647 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received initial CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg.XXXX/XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received initial CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405647 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Revised CD issued on XX/XX/XXXX per the Disclosure Tracking Summary (pg.XXXX/XXX), and the COC (pg.XXX). Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 385451 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1320 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | Resolved-Borrower X Personal Tax Returns Less Than XX Months Provided - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Personal Tax Returns Less Than XX Months Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received seller response: "The tax returns weren’t actually needed. The borrower provided XXXX page X & X, which they signed at closing. We did not need XXXX for anything. All income was verified by award letters/XXXX’s." PCA agrees to Resolve the Finding - Due Diligence Vendor-XX/XX/XXXX Ready for Review-From upper management-The tax returns weren’t actually needed. The borrower provided XXXX page X & X, which they signed at closing. We did not need XXXX for anything. All income was verified by award letters/XXXX’s. - Seller-XX/XX/XXXX Open-Borrower X Personal Tax Returns Less Than XX Months Provided Missing page X of XXXX tax returns. Only signature page is provided (pg XXX). The XXXX and XXXX IRS Transcripts were provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-From upper management-The tax returns weren’t actually needed. The borrower provided XXXX page X & X, which they signed at closing. We did not need XXXX for anything. All income was verified by award letters/XXXX’s. - Seller-XX/XX/XXXX |
Resolved-Borrower X Personal Tax Returns Less Than XX Months Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received seller response: "The tax returns weren’t actually needed. The borrower provided XXXX page X & X, which they signed at closing. We did not need XXXX for anything. All income was verified by award letters/XXXX’s." PCA agrees to Resolve the Finding - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 405654 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1336 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Borrower X Award Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received SSI benefit letter $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Award Letter Missing Borrower X Missing Award Letter for Social Security income and Award Letter for Pension Income. No income documentation was found in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Award Letter Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received SSI benefit letter $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405654 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1334 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXXT signed at closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Missing a XXXX-T executed at application / closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed XXXXT signed at closing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405654 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received initial CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg.XXXX/XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received initial CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405654 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received revised CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the revised CD issued XX/XX/XXXX per the disclosure tracking log (pg.XXXX/XXX) and COC (pg.XXX). Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received revised CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405654 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received COC dated XX/XX/XXXX for change in rate lock, settlement fees - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Discount Points Fee increased from $X to $XX.XX from the XXXeline LE to the Final CD. A written COC was provided (pg.XXX); however, the Revised CD issued on XX/XX/XXXX is missing from the loan file. The cure for this X% tolerance variance is $XX.XX. This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i)). The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received COC dated XX/XX/XXXX for change in rate lock, settlement fees - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405654 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 405654 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 385438 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 385439 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 418250 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-*** Seller provided Initial CD / no additional findings resulted from testing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD and evidence the borrower received the disclosure X days prior to consummation, compliance testing is incomplete. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-*** Seller provided Initial CD / no additional findings resulted from testing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 418250 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-*** Seller provided revised LE and COC / no additional findings resulted from testing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the revised LE issued on XX/XX/XXXX per the Disclosure Tracking Summary (pg.XXX) and any corresponding COC. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-*** Seller provided revised LE and COC / no additional findings resulted from testing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 418250 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1146 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Seller provided E&O - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is incomplete or only partially present The O&E provided does not include an attached E&O. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Seller provided E&O - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474282 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg. XXX), the initial CD was received by the borrower on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497331 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received USA Patriot Act Info form completed and signed by the closing agent with ID info - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - a Patriot Act disclosure issued at application was provided, however please provide the Patriot Act signed by the agent at closing that contains borrower identification information. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received USA Patriot Act Info form completed and signed by the closing agent with ID info - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497331 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. In review of this defect, it was determined that a $XXX lender cure that was applied for under disclosed appraisal fee had fallen off of the CD. We have provided a refund to the borrower via a principal reduction and have provided the PCCD, LOX and receipt of principal reduction applied to their loan. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal Fee increased from $XXX to $XXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. The lender only provided a $XXX tolerance cure on the final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. In review of this defect, it was determined that a $XXX lender cure that was applied for under disclosed appraisal fee had fallen off of the CD. We have provided a refund to the borrower via a principal reduction and have provided the PCCD, LOX and receipt of principal reduction applied to their loan. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497331 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Appraisal Fee increased from $XXX to $XXX from the XXXeline LE to the Final CD without a written COC. The lender only provided a $XXX tolerance cure on the final CD, missing evidence the borrower was reimbursed an additional $XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 393041 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1437 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-XXXe pay used only - Due Diligence Vendor-XX/XX/XXXX Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX Open-Income and Employment Do Not Meet Guidelines - Please provide validation of borrower's reservist pay wages to ensure appropriate calculation was utilized. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XXXe pay used only - Due Diligence Vendor-XX/XX/XXXX Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 405648 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-*** Seller provided initial CD / No additional findings. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg. XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-*** Seller provided initial CD / No additional findings. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 527555 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE7009 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-XX/XX/XX X received RCE - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard policy reflects dwelling coverage $XXX,XXX, which is less than the combined liens of $XXX,XXX and cost to replace reflected on the appraisal. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX X received RCE - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 440074 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCRE1620 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-XX/XX/XXXX - received seller response: "We did not have e-consent so the initial disclosure package was sent out via US Mail. ICD was issued XX/X without consent, so it was mailed XX/X via Fulfillment. I am providing additional information concerning our Fulfillment process when we do not have e-consent from a Borrower." "Documents can be sent via ICE disclosures, and Seller requires the applicant to be sent an eConsent form prior to sending any documents. If, however, a deadline is pending that XXX require immediate document delivery, Seller has functionality to send a disclosure package that includes an eConsent form as a preliminary package. In that instance, the borrower(s) must review and grant eConsent before they are able to access the disclosure package. There is no scenario where a borrower would be able to view/open any electronic disclosures without first reviewing and providing their eConsent. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. The disclosure tracking history (g XXX) shows documents sent to the borrower electronically. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received seller response: "We did not have e-consent so the initial disclosure package was sent out via US Mail. ICD was issued XX/X without consent, so it was mailed XX/X via Fulfillment. I am providing additional information concerning our Fulfillment process when we do not have e-consent from a Borrower." "Documents can be sent via ICE disclosures, and Seller requires the applicant to be sent an eConsent form prior to sending any documents. If, however, a deadline is pending that XXX require immediate document delivery, Seller has functionality to send a disclosure package that includes an eConsent form as a preliminary package. In that instance, the borrower(s) must review and grant eConsent before they are able to access the disclosure package. There is no scenario where a borrower would be able to view/open any electronic disclosures without first reviewing and providing their eConsent. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 440074 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-**** Seller provided Initial CD / No additional findings - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg. XXX), the initial CD was issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-**** Seller provided Initial CD / No additional findings - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 440074 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-*** Seller provided revised LE / No additional findings - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the revised LE issued within three days of the XX/XX/XXXX rate relock (pg XXX) and the XX/XX/XXXX appraisal fee increase. Per the disclosure tracking history (pg XXX) the lender issued revised LE's on XX/XX/XXXX and XX/XX/XXXX that are not in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-*** Seller provided revised LE / No additional findings - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405655 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1146 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received E&O - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is incomplete or only partially present The O&E provided does not include an attached E&O. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received E&O - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405655 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg.XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 469152 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - received revised LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the revised LE issued XX/XX/XXXX per the Disclosure Tracking Details (pg.XXX), and the COC (pg.XXX). Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received revised LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415324 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received ICD with no evidence of borrower receipt, mailbox rule applied - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD and evidence the borrower received the disclosure X days prior to consummation, compliance testing is incomplete. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received ICD with no evidence of borrower receipt, mailbox rule applied - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415324 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - received revised LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing revised LE issued XX/XX/XXXX. Additional tolerance variance findings XXX apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received revised LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415324 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1257 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-XX/XX/XX - received COC dated XX/XX/XXXX for increase to loan amount/settlement fees - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Missing COC. The Transfer Tax increased from$XXXX on the XXXeline LE to $XXX on the initial CD without a written COC. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Both LE's list the tax transfer as XXX please clear the exception. - Seller-XX/XX/XXXX Open-Missing written COC for increase to Transfer Tax from$XXXX to $XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Both LE's list the tax transfer as XXX please clear the exception. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC dated XX/XX/XXXX for increase to loan amount/settlement fees - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415324 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received COC dated XX/XX/XXXX for increase to loan amount/settlement fees - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). *** The Transfer Tax increased from$XXXX on the XXXeline LE to $XXX on the initial CD without a written COC. Missing evidence the borrower was reimbursed $XX to cure the X% tolerance variance. *** - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC dated XX/XX/XXXX for increase to loan amount/settlement fees - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415324 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XX - received COC dated XX/XX/XXXX for increase to loan amount/settlement fees - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Transfer taxes increased to $XXX on revised LE dated XX/XX/XXXX. The COC form did notate there was a change in loan amount – increased, fee increases were imported via SMART FEES and disclosed to borrower. - Seller-XX/XX/XXXX Open-The Transfer Tax increased from$XXXX on the XXXeline LE to $XXX on the initial CD without a written COC. Missing evidence the borrower was reimbursed $XX to cure the X% tolerance variance. 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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Transfer taxes increased to $XXX on revised LE dated XX/XX/XXXX. The COC form did notate there was a change in loan amount – increased, fee increases were imported via SMART FEES and disclosed to borrower. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC dated XX/XX/XXXX for increase to loan amount/settlement fees - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415324 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 440072 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX, no evidence of receipt, mailbox rule applied - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD and evidence the borrower received the disclosure X days prior to consummation, compliance testing is incomplete. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX, no evidence of receipt, mailbox rule applied - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 440072 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCRE0032 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received updated XXXX, XXXX and XXXX XXXX with additional income from another pension at $XXX.XXX/mo. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements The DTI exceeds XX.XX% and does not meet guideline requirements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received updated XXXX, XXXX and XXXX XXXX with additional income from another pension at $XXX.XXX/mo. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 440072 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.X% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received updated XXXX, XXXX and XXXX XXXX with additional income from another pension at $XXX.XXX/mo. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Audited DTI of XX.X% exceeds Guideline DTI of XX.XX% Audited DTI of XX.X% exceeds guideline DTI of XX.XX%. The GAP Credit report (pg.XXX) shows new installment tradeline opened on XX/XX/XXXX with XXXX CU monthly payment $XXX; however, this new account is not reflected on the final XXXX nor is in included in the DTI on the final XXXX (pg XXX). Including this tradeline increased the DTI above XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.X% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received updated XXXX, XXXX and XXXX XXXX with additional income from another pension at $XXX.XXX/mo. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 440072 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Resolved with final CD - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved with final CD - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 440072 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 474284 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XX - received LE issued XX/XX/XXXX and COC - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Provided signed X-XX revised COC/LE - Seller-XX/XX/XXXX Open-Missing the revised LE issued XX/XX/XXXX per the disclosure tracking log (pg.XXX) and the COC pg.XXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Provided signed X-XX revised COC/LE - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received LE issued XX/XX/XXXX and COC - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 646691 | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL9739 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-XX/XX/XXXX - Appraiser comments indicate no impact to value - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. the appraiser noted that the subject property has X rooms X bath and X zero bedrooms. The appraiser noted there are X bedrooms below grade and provided XXX in the statement where they are located - Seller-XX/XX/XXXX Open-The appraiser noted that the subject property has X rooms X bath and X zero bedrooms. The appraiser noted there are X bedrooms below grade and provided XXX in the statement where they are located - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. the appraiser noted that the subject property has X rooms X bath and X zero bedrooms. The appraiser noted there are X bedrooms below grade and provided XXX in the statement where they are located - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Appraiser comments indicate no impact to value - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 440073 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 440068 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1146 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received E&O - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is incomplete or only partially present The O&E provided does not include an attached E&O. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received E&O - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 440068 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - received revised LE issued XX/XX/XXXX and COC - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the revised LE issued XX/XX/XXXX per the Disclosure Tracking Summary (pg.XXX) and the corresponding COC (pg.XXX). Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received revised LE issued XX/XX/XXXX and COC - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 440068 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1623 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Final 1008 Uniform Underwriting and Transmittal Summary | Resolved-XX/XX/XXXX - received final XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Final XXXX, the XXXX provided in the loan file (pg XXX) is not the final. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received final XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 440068 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received complete final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure The Final CD provided in the image file (pg.XX) is incomplete as page X is missing. Additional findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received complete final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 440071 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1146 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received E&O - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is incomplete or only partially present The O&E provided does not include an attached E&O. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received E&O - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 440071 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Details (pg.XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 440071 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - received revised LE issued XX/XX/XXXX and COC - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the revised LE issued on XX/XX/XXXX per the Disclosure Tracking Details (pg.XXX), and the COC (pg.XXX). Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received revised LE issued XX/XX/XXXX and COC - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526958 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received IDCD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-- Please provide copy of Initial Closing Disclosure issued with Change Circumstance form dated XX/XX/XX; additional requirements XXX apply once tolerance testing is completed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received IDCD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526958 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-- Please provide copy of Revised Loan Estimate issued with Change Circumstance form dated XX/XX/XXXX; additional requirements XXX apply once tolerance testing is completed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526958 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM8227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XX - received Tracking Log, no LE was issued on XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Open-- Please provide copy of Revised Loan Estimate issued with Change Circumstance form dated XX/XX/XXXX; additional requirements XXX apply once tolerance testing is completed. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XX - received Tracking Log, no LE was issued on XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 526958 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Cured with final CD - Due Diligence Vendor-XX/XX/XXXX Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Cured with final CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Final Tolerance Testing cannot be completed until disclosures dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XX are provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Cured with final CD - Due Diligence Vendor-XX/XX/XXXX Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Cured with final CD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526958 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-All of these CD's have been uploaded. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Final Tolerance Testing cannot be completed until disclosures dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XX are provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-All of these CD's have been uploaded. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 474293 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XX - received revised LE issued XX/XX/XXXX and COC for lock, loan amount, term and Appraisal fee increase - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COC/LE dated XX/XX provided for investor upload - Seller-XX/XX/XXXX Open-Missing the revised LE issued within three days of the XX/XX/XXXX rate lock (pg XXX). The tracking history (pg XXX) indicates the last revised LE was sent and received on XX/XX/XXXX but a copy of this LE is not in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. COC/LE dated XX/XX provided for investor upload - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received revised LE issued XX/XX/XXXX and COC for lock, loan amount, term and Appraisal fee increase - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474293 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received revised LE issued XX/XX/XXXX and COC for lock, loan amount, term and Appraisal fee increase - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COC/LE dated XX/XX provided for investor upload. This COC/LE addresses the increase in appraisal fee due to program change - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Tracking history (pg XXX) indicates the lender issued a revised LE on XX/XX/XXXX for the CoC dated XX/XX/XXXX (pg XXX) for the increase to the appraisal fee due to program change. This LE was missing from file and the earliest dated disclosure detailing the change was the initial CD dated XX/XX/XXXX, which is outside X business days. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. COC/LE dated XX/XX provided for investor upload. This COC/LE addresses the increase in appraisal fee due to program change - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received revised LE issued XX/XX/XXXX and COC for lock, loan amount, term and Appraisal fee increase - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474293 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3536 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-XX/XX/XX - received revised LE issued XX/XX/XXXX and COC for lock, loan amount, term and Appraisal fee increase - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. : COC/LE dated XX/XX provided for investor upload - Seller-XX/XX/XXXX Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. ( XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX CFR §XXXX.XX(e)(X)(i) )The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure) and §XXXX.XX(e)(X)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count XXXed on the client preferences configured on the company settings business days profile page:As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms.Official InterpretationsXX C.F.R. §XXXX.XX(e)(X)(ii)Relationship to disclosures required under §XXXX.XX(f)(X)(i).Revised disclosures XXX not be delivered at the same time as the Closing Disclosure. §XXXX.XX(e)(X)(ii) prohibits a creditor from providing a revised version of the disclosures required under §XXXX.XX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXX.XX(f)(X)(i)...However, if a creditor uses a revised estimate pursuant to § XXXX.XX(e)(X)(iv) for the purpose of determining good faith under § XXXX.XX(e)(X)(i) and (ii), § XXXX.XX(e)(X)(i) permits the creditor to provide the revised estimate in the disclosures required under § XXXX.XX(f)(X)(i) (including any corrected disclosures provided under § XXXX.XX(f)(X)(i) or (ii)). Tracking history (pg XXX) indicates the lender issued a revised LE on XX/XX/XXXX for the CoC dated XX/XX/XXXX (pg XXX) for the increase to the appraisal fee due to program change. This LE was missing from file and the earliest dated disclosure detailing the change was the initial CD dated XX/XX/XXXX, which is outside X business days. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. : COC/LE dated XX/XX provided for investor upload - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received revised LE issued XX/XX/XXXX and COC for lock, loan amount, term and Appraisal fee increase - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474293 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 474293 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 525204 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Please provide initial CD. File documentation COCs indicates CD issued XX/XX/XX compliance testing is incomplete. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 525204 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received revised CD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Have uploaded the COC for XX/XX/XX and the tracking showing we sent one on XX/XX/XX and XX/XX/XX. Not finding anything for XX/XX/XX - Seller-XX/XX/XXXX Open-Please provide CDs corresponding to COCs dated XX/XX/XXXX and XX/XX/XXXX. Compliance testing is incomplete. Additional findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Have uploaded the COC for XX/XX/XX and the tracking showing we sent one on XX/XX/XX and XX/XX/XX. Not finding anything for XX/XX/XX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received revised CD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 525204 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3529 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved-XX/XX/XX - resolved by adjusting COC date to XX/XX/XXXX since XXX not included in business day timing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. We have uploaded the COC please let us know if there is anything else we need to clear the condition. - Seller-XX/XX/XXXX Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( XX CFR §XXXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX CFR §XXXX.XX(e)(X)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count XXXed on the client preferences configured on the company settings business days profile page:As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. Revised LE was issued XX/XX/XXXX, however, the change of circumstance is dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. We have uploaded the COC please let us know if there is anything else we need to clear the condition. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - resolved by adjusting COC date to XX/XX/XXXX since XXX not included in business day timing - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474283 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 474288 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 474286 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received Cover letter, PCCD issued XX/XX/XX with curative reimbursement of $XXX applied as principal reduction to subject loan and evidence of borrower receipt electronically. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal Fee increased from $XXX to $XXX from the XXXeline LE to the Final CD without a written COC, the cure for this X% tolerance variance is $XXX. This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i)). The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received Cover letter, PCCD issued XX/XX/XX with curative reimbursement of $XXX applied as principal reduction to subject loan and evidence of borrower receipt electronically. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474286 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XX - received Cover letter, PCCD issued XX/XX/XX with curative reimbursement of $XXX applied as principal reduction to subject loan and evidence of borrower receipt electronically. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received Cover letter, PCCD issued XX/XX/XX with curative reimbursement of $XXX applied as principal reduction to subject loan and evidence of borrower receipt electronically. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474286 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XX - received Cover letter, PCCD issued XX/XX/XX with curative reimbursement of $XXX applied as principal reduction to subject loan and evidence of borrower receipt electronically. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XX - received Cover letter, PCCD issued XX/XX/XX with curative reimbursement of $XXX applied as principal reduction to subject loan and evidence of borrower receipt electronically. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 525205 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing PCCD dated X.XX.XXXX, per the Disclosure Tracking Summary (pg. XXX), the PCCD was issued XX.XX.XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 525205 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received revised CD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the revised CD, per the Disclosure Tracking Summary (pg. XXX), the revised CD was issued XX.XX. XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received revised CD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 525205 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM3605 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg. XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 525205 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1623 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Final 1008 Uniform Underwriting and Transmittal Summary | Resolved-XX/XX/XX - corrected XXXX provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received XXXX with incorrect subject P&I and DTI - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Please provide final XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - corrected XXXX provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 525205 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XX - received initial LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Provided initial LE sent to borrower on XX/XX/XXXX - Seller-XX/XX/XXXX Open-Missing initial LE issued XX/XX/XXXX per Tracking Log pg. XXX, XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Provided initial LE sent to borrower on XX/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received initial LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 525205 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 511685 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1159 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-XX/XX/XX - received prior policy effective XX/XX/XXXX to XX/XX/XXXX showing no gap - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Missing evidence the borrower has an active property insurance policy on the subject property at time of closing. The only property insurance document in file is effective starting XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received prior policy effective XX/XX/XXXX to XX/XX/XXXX showing no gap - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 511685 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1183 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - corrected XXXX provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Missing the Final XXXX, copies provided in loan file reflect the incorrect subordinate lien payment amount of $XXX.XX. The subordinate lien payment per the Note is $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - corrected XXXX provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 511685 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg. XX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 511681 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD ate XX/XX/XXXX and evidence the borrower received the disclosure X days prior to consummation. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 511681 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Cured with final CD - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Cured with final CD - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 511686 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 536646 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XX - received LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Revised LE dated XX/XX/XXXX per the Disclosure Tracking Summary and the COC in file. Additional findings XXX apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 536646 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Initial CD dated XX/XX/XXXX per the Disclosure Tracking Summary and the COC in file. Additional findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 511682 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WI | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 521708 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 511684 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 521705 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 577568 | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received VOM, pay history reflecting monthly MI on senior loan - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received XXXX with senior P&I of $X,XXX.XX. Please documentation for any monthly MI - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary Final XXXX was not provided. Income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received VOM, pay history reflecting monthly MI on senior loan - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 525206 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AL | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 545371 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 554372 | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided, income and debt gleaned from other lender documentation.- Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 545372 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-XX/XX/XX - received E&O - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Transaction Warranty Certificate (E&O) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received E&O - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 545372 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Initial CD dated XX/XX/XXXX per the Disclosure Transaction Summary page XXX. Additional Findings XXX apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526959 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCRE1204 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - alert cleared with Sam.gov, no matches for XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Borrower's employer is XXX Partners which shows up on the EPLS list under XXX LP at the same XXX number. File documents for employer search show same XXX but different addresses. (pg XXXX, XXXX and XXXX) Fraud report shows cleared but addresses only the 2nd ETC XXX Pipeline alert and not the XXX alert for XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - alert cleared with Sam.gov, no matches for XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526959 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD dated X.XX.XXXX per Disclosure Tracking Summary pg XXXX, compliance testing is incomplete. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526959 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary Please provide Final XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 526959 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 526959 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 545373 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-XX/XX/XX - received the E&O - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Warranty Transaction Certificate (E&O) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received the E&O - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 545373 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1293 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-Income X Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received update COE issued on XX/XX/XX reflecting VA income of $X,XXXX/mo. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received VA benefit letter dated XX/XX/XX with monthly award of $X,XXX.XX. Please provide recent supporting documentation to support monthly award of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - paystubs for SSA provided. Still missing income docs to support VA income of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - unable to open pdf - received an error. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Income X Months Income Verified is Missing Missing VA Income Documents supporting $XXXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Income X Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received update COE issued on XX/XX/XX reflecting VA income of $X,XXXX/mo. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 545373 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - unable to open the pdf - received an error. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Initial CD date issued was XX/XX/XXXX verified by Disclosure Transaction Summary and COC. Additional Findings XXX apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 545373 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received RCD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Revised CD date issued was XX/XX/XXXX verified by Disclosure Transaction Summary and COC. Additional Findings XXX apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received RCD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | LA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563781 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 545374 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 545375 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1159 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-XX/XX/XX - received prior HOI policy effective XX/XX/XXXX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Provide prior HOI policy to show no gap in coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received prior HOI policy effective XX/XX/XXXX - XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 545375 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Initial CD dated XX/XX/XXXX per the Disclosure Tracking Summery page XXX and the COC page XXX. Additional findings XXX apply - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563783 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 563782 | XXXX | C | A | A | A | A | A | N/A | N/A | Closed | FVAL3525 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Valuation product is deficient | Resolved-XX/XX/XX - received AVM dated XX/XX/XX $XXX,XXX with XX% confidence. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The valuation provided is missing the appraiser’s license information. Please note that per Client guidelines, BPOs are not allowed and valuations must be performed by a licensed appraiser. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received AVM dated XX/XX/XX $XXX,XXX with XX% confidence. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 577569 | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX and supporting documentation. P&I on senior lien is $X,XXX.XX. Lender attests XXXX reflects $X,XXX.XX due to escrow shortage. Input $XX.XX variance as other monthly housing expense. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - The pay history provided shows the senior P&I is $X,XXX.XX. The loan is a VA and therefore no monthly MI applies. Please provide a corrected XXXX reflecting the senior P&I at $X,XXX.XX rather than $X,XXX.XX or an explanation for the variance of $XX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received XXXX with senior P&I of $X,XXX.XX rather than $X,XXX.XX. Please provide documentation for any monthly MI or the variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The final XXXX was not provided. Income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX and supporting documentation. P&I on senior lien is $X,XXX.XX. Lender attests XXXX reflects $X,XXX.XX due to escrow shortage. Input $XX.XX variance as other monthly housing expense. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 577562 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. It was not officially ‘ omitted however it was labeled incorrectly. Attached are the updated XXXX and XXXX showing that debt as an installment. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received XXXX which show installment payment of $XXX excluded from DTI. Provide documentation this auto trade installment payment to Member FCU is to be excluded. It is not included on the FCD to be paid in full at closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided, income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. It was not officially ‘ omitted however it was labeled incorrectly. Attached are the updated XXXX and XXXX showing that debt as an installment. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 577562 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received recorded Cert of Satisfaction for mortgage for $XXXk and title company Clear to Close Notification - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Release of lien for item (Sch B (X)) and Title Clear to Closer - confirming no Liens or Judgements found. - Seller-XX/XX/XXXX Open-Property Title Issue Schedule B, ParagraSeller X of title commitment reflects an unreleased mortgage dated XX/XX/XX in the amount of $XXX,XXX. This does not appear to be the current first mortgage on the subject property. It appears it should have been reconveyed when the first was refinanced on XX/XX/XX, however title states no release found. Final title not provided to verify release of lien. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Release of lien for item (Sch B (X)) and Title Clear to Closer - confirming no Liens or Judgements found. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received recorded Cert of Satisfaction for mortgage for $XXXk and title company Clear to Close Notification - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 577563 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1640 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Closing | Mortgage/DOT notary acknowledgement is defective or incomplete | Resolved-XX/XX/XX - complete executed rider provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Notary page for the XXX Home Equity Security Agreement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - complete executed rider provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 577563 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided. Income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 577570 | XXXX | C | A | B | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). cured with FCD - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received COC dated XX/XX/XX for loan amount and points increased - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Increase in Discount Points and Transfer Taxes were disclosed on the XX/XX/XX LE/COC (see COC provided). Lender tolerance cure was applied to the closing disclosure for increase in Credit Report fee ($XXX cure applied) and is present on Final Closing Disclosure - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Loan Discount Fee increased from$XXXX to $XXX.XX, the Credit Report Fee increased from $XX to $XXX and the Transfer Taxes increased from $XXX to$XXXX from the XXXeline LE to the Final CD without a written COC. Missing evidence the borrower was reimbursed $XXX.XX to cure the X% tolerance variance. The final CD reflects a $XX.XX lender credit; remaining due borrower is $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Increase in Discount Points and Transfer Taxes were disclosed on the XX/XX/XX LE/COC (see COC provided). Lender tolerance cure was applied to the closing disclosure for increase in Credit Report fee ($XXX cure applied) and is present on Final Closing Disclosure - Seller-XX/XX/XXXX |
Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). cured with FCD - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received COC dated XX/XX/XX for loan amount and points increased - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 577570 | XXXX | C | A | B | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received COC dated XX/XX/XX for loan amount and points increased - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Increase in Discount Points and Transfer Taxes were disclosed on the XX/XX/XX LE/COC (see COC provided). Lender tolerance cure was applied to the closing disclosure for increase in Credit Report fee ($XXX cure applied) and is present on Final Closing Disclosure - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Increase in Discount Points and Transfer Taxes were disclosed on the XX/XX/XX LE/COC (see COC provided). Lender tolerance cure was applied to the closing disclosure for increase in Credit Report fee ($XXX cure applied) and is present on Final Closing Disclosure - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC dated XX/XX/XX for loan amount and points increased - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 577570 | XXXX | C | A | B | A | C | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-XX/XX/XX - received XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided. Income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 624362 | XXXX | A | A | A | A | A | A | N/A | N/A | Closed | FVAL9739 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | A | A | Property | Appraisal | Property/Appraisal General | Resolved-XX/XX/XXXX - received corrected XXXX reflecting Owner occupied - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Clerical correction made to appraisal noting the occupancy type as “owner”, see provided revised document . - Seller-XX/XX/XXXX Open-Appraisal is marked as Tenant Occupied. Borrowers and Lender submitted Primary Residence. The w2s in file and the Drive report verifies the property is owner occupied. Appears Appraiser marked as tenant in error. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Clerical correction made to appraisal noting the occupancy type as “owner”, see provided revised document . - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received corrected XXXX reflecting Owner occupied - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563778 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1623 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Final 1008 Uniform Underwriting and Transmittal Summary | Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The lender's XXXX or Approval was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563778 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1201 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Drive report with alerts cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report Missing the Drive Report, reflecting all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Drive report with alerts cleared - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 577571 | XXXX | C | A | B | A | C | A | N/A | N/A | Closed | FVAL3525 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Valuation product is deficient | Resolved-XX/XX/XX - received AVM with acceptable confidence score. Did not change LTV/CLTV or value used as AVM was completed and provided post closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The valuation provided is missing the appraiser’s license information. Please note that per Client guidelines, BPOs are not allowed and valuations must be performed by a licensed appraiser. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received AVM with acceptable confidence score. Did not change LTV/CLTV or value used as AVM was completed and provided post closing. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 577571 | XXXX | C | A | B | A | C | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX which reflects higher senior P&I, FHA MI of $XXX.XX applied to DTI. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The final XXXX was not provided. Income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX which reflects higher senior P&I, FHA MI of $XXX.XX applied to DTI. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 577571 | XXXX | C | A | B | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Appraisal fees increased from $XX to $XXX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. The final CD reflects a $X lender credit, therefore remaining due borrower is $XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 577571 | XXXX | C | A | B | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received COC dated XX/XX/XX for lock pricing, property type change, program change and loan amount and fees associated - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Loan program changed and appraisal fee increase disclosed to borrower on XX/XX/XX LE / COC - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX. Remaining amount due borrower is $XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Loan program changed and appraisal fee increase disclosed to borrower on XX/XX/XX LE / COC - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC dated XX/XX/XX for lock pricing, property type change, program change and loan amount and fees associated - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581554 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received PCCD issued on XX/XX/XX reflecting principal reduction in the amount of $XX.XX to cure remaining tolerance violation. Also received statement reflecting principal reduction applied to borrower's account and LOE to borrower. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued on XX/XX/XX reflecting principal reduction in the amount of $XX.XX to cure remaining tolerance violation. Also received statement reflecting principal reduction applied to borrower's account and LOE to borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. A PCCD was issued to the borrower for the fee tolerance not applied on final CD. A principal reduction was applied to the borrower’s loan balance. See attached PCCD and copy of account history showing principal reduction was applied. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Loan Discount Fee increased from $XXX to $XXX.XX and the Credit Report increase from $XX to $XX.XX from the XXXeline to the Final CD without a written COC. Missing evidence the borrower was reimbursed $XX.XX to cure the X% tolerance variance. The final CD reflects a lender credit of $XXX, remaining amount due borrower is $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. A PCCD was issued to the borrower for the fee tolerance not applied on final CD. A principal reduction was applied to the borrower’s loan balance. See attached PCCD and copy of account history showing principal reduction was applied. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued on XX/XX/XX reflecting principal reduction in the amount of $XX.XX to cure remaining tolerance violation. Also received statement reflecting principal reduction applied to borrower's account and LOE to borrower. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued on XX/XX/XX reflecting principal reduction in the amount of $XX.XX to cure remaining tolerance violation. Also received statement reflecting principal reduction applied to borrower's account and LOE to borrower. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581554 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received PCCD issued on XX/XX/XX reflecting principal reduction in the amount of $XX.XX to cure remaining tolerance violation. Also received statement reflecting principal reduction applied to borrower's account and LOE to borrower. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX. Remaining amount due borrower is $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued on XX/XX/XX reflecting principal reduction in the amount of $XX.XX to cure remaining tolerance violation. Also received statement reflecting principal reduction applied to borrower's account and LOE to borrower. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 581554 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved- - Due Diligence Vendor-XX/XX/XXXX Cured-XX/XX/XX - received updated XXXX and payment history reflecting P&I on first of $X,XXX.XX. It appears loan was modified or adjusted at some point as pymt history P&I doesn't match senior Note. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXX - received XXXX with senior P&I at $X,XXX.XX versus the senior Note P&I of $X,XXX.XX. Please provide evidence of monthly mortgage insurance or explanation of the variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided, income and debt gleaned from the final CD or other lender documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Cured-XX/XX/XX - received updated XXXX and payment history reflecting P&I on first of $X,XXX.XX. It appears loan was modified or adjusted at some point as pymt history P&I doesn't match senior Note. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581554 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCOM1257 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-XX/XX/XX - received PCCD issued on XX/XX/XX reflecting principal reduction in the amount of $XX.XX to cure remaining tolerance violation. Also received statement reflecting principal reduction applied to borrower's account and LOE to borrower. - Due Diligence Vendor-XX/XX/XXXX Open-A revised LE issued XX/XX/XXXX however no valid, written COC was provided for the increase of loan amount an increase of Discount Points in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued on XX/XX/XX reflecting principal reduction in the amount of $XX.XX to cure remaining tolerance violation. Also received statement reflecting principal reduction applied to borrower's account and LOE to borrower. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 581554 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FPRO1242 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received AVM dated XX/XX/XX with XX% confidence - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Appraisal for the subject property. Data was used from other lender documents in file. Additional findings me be required upon receipt - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received AVM dated XX/XX/XX with XX% confidence - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581554 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCRE5393 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Mortgage Insurance Defect | Resolved- - Due Diligence Vendor-XX/XX/XXXX Cured-XX/XX/XX - received updated XXXX and payment history reflecting P&I on first of $X,XXX.XX. It appears loan was modified or adjusted at some point as pymt history P&I doesn't match senior Note. No MI reflected. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached account history for the 1st mortgage. This loan is a conventional loan without PMI. - Seller-XX/XX/XXXX Open-Missing documentation reflecting amount of monthly MI for first mortgage. Note reflects first mortgage is an FHA loan, however no verification of MI payment is provided. DTI to be recalculated upon receipt. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached account history for the 1st mortgage. This loan is a conventional loan without PMI. - Seller-XX/XX/XXXX |
Cured-XX/XX/XX - received updated XXXX and payment history reflecting P&I on first of $X,XXX.XX. It appears loan was modified or adjusted at some point as pymt history P&I doesn't match senior Note. No MI reflected. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 613001 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE3091 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-XX/XX/XXXX - Received HOA master policy for period XX/XX/XX - XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XX - received another copy of the HXX policy reflecting coverage of $XX,XXX - still missing the HOA's Master Policy - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - Received copy of HOX policy, which was already provided and cleared. Still missing non-expired HOA Master policy. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Effective XX/XX expires XX/XX - Seller-XX/XX/XXXX Open-Master Policy Expiration Date of XX-XX-XXXX is Prior To the Transaction Date of XX-XX-XXXX HOA policy expired XX/XX/XX, prior to closing on XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Effective XX/XX expires XX/XX - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - Received HOA master policy for period XX/XX/XX - XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 613001 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Seller response: "looks like we can proceed with title showing as a townhome with no addendum for condo, since it isn’t a condo." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property Title Issue Unable to determine property type. Documentation provide by lender (pg XXX-XXX) states property is not a condo, but a townhouse. Title commitment (pg XXX) legal description states Lot five, XXXX Townhomes XXXX. Senior lien dated XX/XX/XX includes a Condo Rider. AVM (pg XXX) states Single Family Townhouse. However, insurance policy (pg XXX) is an HOA master policy and includes walls in coverage including Betterments & Improvements, which is typically associated with condos, not townhomes. In addition, borrowers have HOX coverage (pg XXX). If subject is a condo then a condo questionnaire is required and transaction must meet Client condo requirements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Seller response: "looks like we can proceed with title showing as a townhome with no addendum for condo, since it isn’t a condo." - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 588035 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1201 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-XX/XX/XX - received DRIVE report. - Due Diligence Vendor-XX/XX/XXXX Cured-XX/XX/XX - received DRIVE report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received DRIVE report. - Due Diligence Vendor-XX/XX/XXXX Cured-XX/XX/XX - received DRIVE report. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588035 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1030 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-XX/XX/XX - received privacy policy disclosure - Due Diligence Vendor-XX/XX/XXXX Cured-XX/XX/XX - received privacy policy disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete - Please provide evidence of date disclosure provided to the borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received privacy policy disclosure - Due Diligence Vendor-XX/XX/XXXX Cured-XX/XX/XX - received privacy policy disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588035 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE7009 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-The policy provides for "Replacement Cost Dwelling" coverage, however, does state Guaranteed Replacement Coverage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-In Florida, Florida Statute XXX.XXXX prohibits lenders from requesting, and insurance agents from providing, a Replacement Cost Estimator (RCE) or other proprietary underwriting information as a condition for lending on real property. This law, effective XXXy X, XXXX, was designed to protect agents from unreasonable demands by lenders. While lenders can still determine if coverage is sufficient, they are not permitted to ask for the proprietary documentation used to calculate the replacement cost. It falls within the guidelines and parameters of our replacement cost calculators. It's against Florida laws so we can't supply that. - Seller-XX/XX/XXXX Open-- Insurance Coverage of $XXX,XXX is insufficient to meet total lien amount of $XXX,XXX; please provide insurer's RCE or proof of increased coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-In Florida, Florida Statute XXX.XXXX prohibits lenders from requesting, and insurance agents from providing, a Replacement Cost Estimator (RCE) or other proprietary underwriting information as a condition for lending on real property. This law, effective XXXy X, XXXX, was designed to protect agents from unreasonable demands by lenders. While lenders can still determine if coverage is sufficient, they are not permitted to ask for the proprietary documentation used to calculate the replacement cost. It falls within the guidelines and parameters of our replacement cost calculators. It's against Florida laws so we can't supply that. - Seller-XX/XX/XXXX |
Resolved-The policy provides for "Replacement Cost Dwelling" coverage, however, does state Guaranteed Replacement Coverage. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 588035 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE0001 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Debt | Liabilities General | Resolved-XX/XX/XX - Received corrected XXXX and XXXX with amounts broken out. Accepting along with lender attestation that P&I amount over what is reflected on senior note is escrow shortage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-- XXXX reflects first mortgage payment of $X,XXX, however P&I per Note is $XXX.XXX/mo. Please provide verification MIP is $XXX.XX, or full breakdown of entire amount used to qualify. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Received corrected XXXX and XXXX with amounts broken out. Accepting along with lender attestation that P&I amount over what is reflected on senior note is escrow shortage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588030 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCOM1221 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received complete DOT with executed signature/notary page - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete Missing pages XX and XX (out of XX pages) of Security Instrument, which includes the borrowers signature and the Notary. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received complete DOT with executed signature/notary page - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588037 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1623 | XX/XX/XXXX | XX/XX/XXXX | Cured | 1 - Information | D | A | Credit | Missing Doc | Missing Final 1008 Uniform Underwriting and Transmittal Summary | Cured-XX/XX/XX - received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-- Per XXXX in file, lender used $X,XXX.XXX/mo for P&I on the first lien, however actual amount is $X,XXX.XX per Note and Servicing History; please provide revised XXXX or, if payment used includes additional escrow amounts, validation of this expense. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Cured-XX/XX/XX - received corrected XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 624378 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1145 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received O&E - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received E&O - still missing the O&E - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is missing No O&E with E&O, chain of title or any other title documentation was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received O&E - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581557 | XXXX | D | A | C | A | A | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received pay history confirming monthly MI on senior and P&I of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XX - received XXXX with senior P&I of $X,XXX.XX. Per senior Note, P&I is $X,XXX.XX. Please provide correct XXXX or explanation for the difference. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary Final XXXX not provided. Income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received pay history confirming monthly MI on senior and P&I of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581557 | XXXX | D | A | C | A | A | A | N/A | N/A | Closed | FVAL8946 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Appraisal | Resolved-XX/XX/XX - received AVM dated XX/XX/XX at $XXX,XXX XX% confidence - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-No appraisal or valuation product was provided in the image file. AVM invoice (pg XXXX) reflects an AVM was ordered, but no valuation product was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received AVM dated XX/XX/XX at $XXX,XXX XX% confidence - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581557 | XXXX | D | A | C | A | A | A | N/A | N/A | Closed | FCRE5393 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Mortgage Insurance Defect | Resolved-XX/XX/XX - received pay history confirming monthly MI on senior - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing verification of monthly MI payment on first mortgage. Note reflects first mortgage is an FHA loan, however no documentation verifying MI amount is porovided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received pay history confirming monthly MI on senior - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 624379 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Cured with FCD - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received COC for increase to Points dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Discount Points: Initial LE – loan discount points were $XXX , then a COC/LE was sent on XX/XX/XX increasing Discount Points to $XXX, Loan discount points decreased to $XXX and was disclosed on the XX/XX/XX COC/CD. COC’s provided Credit Report: Lender cure was provided and is present on the final CD for $XXX for the under disclosed credit report fee - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Loan Discount Fee increased from $XXX to $XXX and the Credit Report Fee from $XXX to $XXX from the XXXeline LE to the Final CD without a written COC. Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Discount Points: Initial LE – loan discount points were $XXX , then a COC/LE was sent on XX/XX/XX increasing Discount Points to $XXX, Loan discount points decreased to $XXX and was disclosed on the XX/XX/XX COC/CD. COC’s provided Credit Report: Lender cure was provided and is present on the final CD for $XXX for the under disclosed credit report fee - Seller-XX/XX/XXXX |
Resolved-Cured with FCD - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received COC for increase to Points dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 624379 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Loan Discount Fee increased from $XXX to $XXX and the Credit Report Fee from $XXX to $XXX from the XXXeline LE to the Final CD without a written COC. Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 624380 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 623960 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 602616 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 602617 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - Received COC reflecting increase in discount points. Other increases were cured with a $XX.XX lender credit reflected on the final CD. - Due Diligence Vendor-XX/XX/XXXX Open-XX/XX/XX - Received COC reflecting increase in discount points. Other increases were cured with a $XX.XX lender credit reflected on the final CD. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Loan Discount Fee increased from $XXX to $XXX.XX and the Appraisal fee increased from $XXX to $XXX and the Credit Report fee increased from $XX to $XXX from the XXXeline LE to the Final CD without a written COC. Missing evidence the borrower was reimbursed $XXX.XX to cure the X% tolerance variance. The final CD reflects a lender credit of $XX.XX, therefore remaining amount due borrower is $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XX - Received COC reflecting increase in discount points. Other increases were cured with a $XX.XX lender credit reflected on the final CD. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 602617 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - Received COC issued XX/XX/XX reflecting increase to discount points. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. A tolerance cure of $XX.XX was applied to the final CD for the increase in Appraisal fee and Credit Report fee. The increase to the Discount Points was disclosed on the XX/XX/XX COC. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX. Remaining amount owed borrower is $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. A tolerance cure of $XX.XX was applied to the final CD for the increase in Appraisal fee and Credit Report fee. The increase to the Discount Points was disclosed on the XX/XX/XX COC. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Received COC issued XX/XX/XX reflecting increase to discount points. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 602617 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FVAL2477 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-XX/XX/XX - received corrected appraisal with land Area X.XX ac. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Corrected Appraisal - Seller-XX/XX/XXXX Open-- Appraiser indicates the site size as XX,XXX acres, however Legal Description indicates only X.XX; please provide corrected XXX with correct footprint. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Corrected Appraisal - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received corrected appraisal with land Area X.XX ac. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 643005 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 623954 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 623956 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 643007 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 624363 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | SC | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 643009 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1316 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX/XXXX - TD Received VVOE. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See provided document confirming employment status - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing Missing 3rd Party VOE dated within XX days of closing. Borrower is not active duty XXXX (he is a civilian) and therefore the LES statement does not clear VVOE requirement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See provided document confirming employment status - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 643009 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-XX/XX/XXXX - TD Received PUD Rider. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the PUD Rider attached to the Mortgage - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received PUD Rider. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 643010 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 370287 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 385440 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 370291 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE9580 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Bankruptcy History does not meet guidelines | Resolved-XX/XX/XXXX - received a revised XXXX reflecting no prior bankruptcy filed. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Final XXXX and Fraud Report indicates borrower filed Chapter XX bankruptcy within the past X years. Bankruptcy does not appear on credit report; missing documentation detailing the bankruptcy to confirm it did not occur within the past X years. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received a revised XXXX reflecting no prior bankruptcy filed. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 370291 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE0034 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Credit History and Liabilities Was Not Properly Considered | Resolved-XX/XX/XXXX Re -evaluation of total Student Loan in various stage of repayment applying GLs of X% of the outstanding balance; or the actual documented payment (documented in the credit report results in monthly payment$XXXX and total Other Debt of$XXXX and a resulting DTI of XX.XX% which is within the variance threshold of the UW final XXXX. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - the Debt document provided does not tie in with the final XXXX and XXXX provided and reflects other debt of$XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Please provide a itemization of Other Debt that ties in with the revised XXXX amount of $X,XXX.XX and provide a corrected XXXX reflecting the same. Received revised Income Calculation Worksheet includes additional BXX/BX income for OT/Other of $X,XXX.XX for revised total income of$XXXX. However the revised XXXX reflects Other Debt of $X,XXX.XX versus the provided revised XXXX which reflects Other Debt of $X,XXX.XX. The audited Other Debt is $X,XXX.XX. The resulting DTI from the revised income and current audited Total Monthly Payments is XX.XX%, which exceed guidelines. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - The the documented payments ranged from $X to $X, they are not considered fully amortized monthly payments. Per Client Guidelines: For all student loans, whether deferred, in forbearance, or in repayment (not deferred), the greater of the following to determine the monthly payment XXX be used as the borrower’s recurring monthly debt obligation: X% of the outstanding balance; or the actual documented payment (documented in the credit report, in documentation obtained from the student loan lender, or in documentation supplied by the borrower). If the actual documented payment is less than X% of the outstanding balance and it will fully amortize the loan with no payment adjustments, the lower, fully amortizing monthly payment XXX be used to qualify the borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-(If a monthly student loan payment is provided on the credit report, the lender XXX use that amount for qualifying purposes.) . I used the X% XXXed on those that did not have a payment and used the ones that actually reflected a payment due to it being allowed. - Seller-XX/XX/XXXX Open-ATR: Credit History and Liabilities Was Not Properly Considered Guidelines indicate student loan payments must be XXXed on the greater of X% of the outstanding loan balance or the actual documented payment. If the documented payment is less than X% of the outstanding balance, it can only be used if it will fully amortize the loan with no payment adjustments. Lender used student loan payment amounts listed on credit report for qualifying payment without supporting documentation showing payment would fully amortize the loan with no payment adjustments. Many payments range from $X-X for X and X figure loan balances, which doesn't appear to fully amortize the payment. Using X% of outstanding balance for all student loan payments causes the DTI to increase to XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-(If a monthly student loan payment is provided on the credit report, the lender XXX use that amount for qualifying purposes.) . I used the X% XXXed on those that did not have a payment and used the ones that actually reflected a payment due to it being allowed. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX Re -evaluation of total Student Loan in various stage of repayment applying GLs of X% of the outstanding balance; or the actual documented payment (documented in the credit report results in monthly payment$XXXX and total Other Debt of$XXXX and a resulting DTI of XX.XX% which is within the variance threshold of the UW final XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 370291 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1183 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-XX/XX/XXXX Re -evaluation of total Student Loan in various stage of repayment applying GLs of X% of the outstanding balance; or the actual documented payment (documented in the credit report results in monthly payment$XXXX and total Other Debt of$XXXX and a resulting DTI of XX.XX% which is within the variance threshold of the UW final XXXX. - Due Diligence Vendor-XX/XX/XXXX Counter-X/XX/XXXX - received XXXX Lender Loan Info - still missing an itemization of Other Debt used to calculate the lender's DTI that ties in with the revised XXXX amount of $X,XXX.XX and provide a corrected XXXX reflecting the same. Prior curative of revised Income Calculation Worksheet includes additional BXX/BX income for OT/Other of $X,XXX.XX for revised total income of$XXXX. However the revised XXXX reflects Other Debt of $X,XXX.XX versus the provided revised XXXX which reflects Other Debt of $X,XXX.XX. The audited Other Debt is $X,XXX.XX. The resulting DTI from the revised income and current audited Total Monthly Payments is XX.XX%, which exceed guidelines. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - a duplicate updated XXXX from XX/XX/XXXX was provided only - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Please provide a itemization of Other Debt that ties in with the revised XXXX amount of $X,XXX.XX and provide a corrected XXXX reflecting the same. Received revised Income Calculation Worksheet includes additional BXX/BX income for OT/Other of $X,XXX.XX for revised total income of$XXXX. However the revised XXXX reflects Other Debt of $X,XXX.XX versus the provided revised XXXX which reflects Other Debt of $X,XXX.XX. The audited Other Debt is $X,XXX.XX. The resulting DTI from the revised income and current audited Total Monthly Payments is XX.XX%, which exceed guidelines. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Approval/Underwriting Summary Partially Provided Missing the Final XXXX, copies provided in loan file reflect the incorrect note rate. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX Re -evaluation of total Student Loan in various stage of repayment applying GLs of X% of the outstanding balance; or the actual documented payment (documented in the credit report results in monthly payment$XXXX and total Other Debt of$XXXX and a resulting DTI of XX.XX% which is within the variance threshold of the UW final XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 370291 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-XX/XX/XXXX Re -evaluation of total Student Loan in various stage of repayment applying GLs of X% of the outstanding balance; or the actual documented payment (documented in the credit report results in monthly payment$XXXX and total Other Debt of$XXXX and a resulting DTI of XX.XX% which is within the variance threshold of the UW final XXXX. - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - Please provide a itemization of Other Debt that ties in with the revised XXXX amount of $X,XXX.XX and provide a corrected XXXX reflecting the same. Received revised Income Calculation Worksheet includes additional BXX/BX income for OT/Other of $X,XXX.XX for revised total income of$XXXX. However the revised XXXX reflects Other Debt of $X,XXX.XX versus the provided revised XXXX which reflects Other Debt of $X,XXX.XX. The audited Other Debt is $X,XXX.XX. The resulting DTI from the revised income and current audited Total Monthly Payments is XX.XX%, which exceed guidelines. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Guidelines indicate student loan payments must be XXXed on the greater of X% of the outstanding loan balance or the actual documented payment. If the documented payment is less than X% of the outstanding balance, it can only be used if it will fully amortize the loan with no payment adjustments. Lender used student loan payment amounts listed on credit report for qualifying payment without supporting documentation showing payment would fully amortize the loan with no payment adjustments. Many payments range from $X-X for X and X figure loan balances, which doesn't appear to fully amortize the payment. Using X% of outstanding balance for all student loan payments causes the DTI to increase to XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX Re -evaluation of total Student Loan in various stage of repayment applying GLs of X% of the outstanding balance; or the actual documented payment (documented in the credit report results in monthly payment$XXXX and total Other Debt of$XXXX and a resulting DTI of XX.XX% which is within the variance threshold of the UW final XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 385447 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 385452 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1598 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income Documentation Deficiencies: Final 1008 income varies from income documentation in images, resulting in a DTI variance. | Resolved-XX/XX/XXXX - received Income Worksheet reflecting XXXX average salary of XXXX and commission of YTD plus X-year average at $XX,XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Used XXXe salary of $X,XXX/mo plus YTD and XXXX commission average of $XX,XXX.XX/mo. XXXX was declining from XXXX therefore did not include XXXX in average. Total income used is $XX,XXX.XX/mo. Lender used $XX,XXXX/mo. Unable to determine how lender calculated income as worksheet (pg XXXX) does not support this income. DTI still qualifies, but there is a greater than X% variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received Income Worksheet reflecting XXXX average salary of XXXX and commission of YTD plus X-year average at $XX,XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 450770 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1206 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Note - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Note is Missing Missing the executed Note, loan terms were gleaned from the Mortgage and Final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Note - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 450770 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1263 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed RORs by both borrowers - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Right of Rescission is Partially Provided Missing Notice of Right to Cancel for borrower X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed RORs by both borrowers - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 450770 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM2562 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received ILE issued XX/XX/XXXX with servicer intent - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided an Initial Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Notice of Servicing Transfer is not missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received ILE issued XX/XX/XXXX with servicer intent - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 450770 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) ) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained, however no disclosure was issued to the borrowers within three business days after receiving the consumers’ application stating that they are entitled to a free copy of any appraisal, Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained and the borrower was provided the appraisal disclosure and evidence of receipt of the report. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 450770 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - received ILE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial LE issued within X business days of the application date. Per the Disclosure Tracking Details (pg.XXX) the Initial LE was issued on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received ILE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 450770 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg.XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 450770 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM9963 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-XX/XX/XXXX - received Right to Received Appraisal discl issued at application - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Right to Receive Appraisal disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received Right to Received Appraisal discl issued at application - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 450770 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 450770 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 385441 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 405649 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XXXX - received ICD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD issued on XX/XX/XXXX per the Disclosure Tracking Summary (pg.XXX) and Disclosure Tracking Details (pg.XXX). Compliance testing is incomplete. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received ICD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405649 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received ICD and revised LE - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Transfer Taxes Fee increased from $XXX to $XXX from the XXXeline LE to the Final CD without a valid COC (Revised LE issued XX/XX/XXXX is missing), the cure for this X% tolerance variance is $XX.XX. This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i)). The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received ICD and revised LE - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405649 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 405649 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX - received ICD and revised LE - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The closing Date is X-X-XXXX. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The closing Date is X-X-XXXX. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received ICD and revised LE - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 405649 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - received LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the revised LE issued on XX/XX/XXXX per the Disclosure Tracking Summary (pg.XXX) and COC (pg.XXX). Additional findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received LE issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415325 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1146 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received E&O - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is incomplete or only partially present The O&E provided does not include an attached E&O. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received E&O - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415325 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM2562 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Notice of Servicing Transfer | Resolved-XX/XX/XXXX - received complete initial LE with servicing intent - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing complete and executed Notice of Servicing Transfer Missing evidence the borrower was provided an Initial Servicer Transfer Disclosure or an initial LE that includes the servicing intent verbiage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received complete initial LE with servicing intent - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415325 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1252 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XXXX - received complete initial LE - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing page X of the initial LE issued on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received complete initial LE - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415325 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD and evidence the borrower received the disclosure X days prior to consummation, compliance testing is incomplete. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415325 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary Missing the Final XXXX. No XXXX was provided in the loan file, additional findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | DE | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581552 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX and breakdown of monthly MI on the senior loan - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received XXXX reflecting P&I on senior loan as $X,XXX.XX. Per senior Note P&I is $X,XXX.XX. Please provide evidence of MI or other breakdown to address the variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary Final XXXX was not provided. Income and debt was gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX and breakdown of monthly MI on the senior loan - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 581552 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE5393 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Mortgage Insurance Defect | Resolved-XX/XX/XX - received XXXX and breakdown of monthly MI on the senior loan - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Current P&I is $XXXX.XX plus monthly MI of $XXX.XX = $XXXX.XX. Verification of MI is attached. - Seller-XX/XX/XXXX Open-Missing verification of monthly mortgage insurance amount. First mortgage Note reflects it is an FHA loan, however missing documentation verifying MI amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Current P&I is $XXXX.XX plus monthly MI of $XXX.XX = $XXXX.XX. Verification of MI is attached. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received XXXX and breakdown of monthly MI on the senior loan - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 581552 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Cured with FCD - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received COC dated XX/XX/XXXX for increase to appraisal fee and re-inspection fee - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XXXX LE/COC –XXX appraisal fee added. COC provided Lender applied a tolerance cure of $XXX, this is reflected on final CD. Breakdown of tolerance cure -AVM fees being inadvertently removed from the loan file and added back - $XX, and for the $XXX Appraisal XXXXD Recert of Value fee. No further cure or COC is needed - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The appraisal fee increased from $XX to $XXX and the appraisal re-inspection fee increased from $X to $XXX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. The final CD reflects a lender credit of $XXX to cure amount over tolerance, however the borrower is still due $XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX/XXXX LE/COC –XXX appraisal fee added. COC provided Lender applied a tolerance cure of $XXX, this is reflected on final CD. Breakdown of tolerance cure -AVM fees being inadvertently removed from the loan file and added back - $XX, and for the $XXX Appraisal XXXXD Recert of Value fee. No further cure or COC is needed - Seller-XX/XX/XXXX |
Resolved-Cured with FCD - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received COC dated XX/XX/XXXX for increase to appraisal fee and re-inspection fee - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 581552 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received COC dated XX/XX/XXXX for increase to appraisal fee and re-inspection fee - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. The final CD reflects a lender credit of $XXX to cure amount over tolerance, however the borrower is still due $XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC dated XX/XX/XXXX for increase to appraisal fee and re-inspection fee - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 497330 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM5814 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-XX/XX/XX - received complete ICD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The initial CD in file (pg XXX) is incomplete. Missing page X of the initial CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received complete ICD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497330 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE0032 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received a XXXX with incorrect PITI, Other debt of $X,XXX.XX, income of $X,XXX.XX that includes additional OT not included on original XXXX and XXXX, and unexecuted XXXX with Other monthly debt totaling $X,XXX.XX. New Findings set for corrected XXXX and executed Final XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements Updated credit report pulled XX/XX/XXXX shows borrowers monthly revolving debt payments increased from $XXXX/month to $XXX/month. This causes the DTI to increase from XX.XXX% to XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received a XXXX with incorrect PITI, Other debt of $X,XXX.XX, income of $X,XXX.XX that includes additional OT not included on original XXXX and XXXX, and unexecuted XXXX with Other monthly debt totaling $X,XXX.XX. New Findings set for corrected XXXX and executed Final XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497330 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received a XXXX with incorrect PITI, Other debt of $X,XXX.XX, income of $X,XXX.XX that includes additional OT not included on original XXXX and XXXX, and unexecuted XXXX with Other monthly debt totaling $X,XXX.XX. New Findings set for corrected XXXX and executed Final XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Updated credit report pulled XX/XX/XXXX shows borrowers monthly revolving debt payments increased from $XXXX/month to $XXX/month. This causes the DTI to increase from XX.XXX% to XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received a XXXX with incorrect PITI, Other debt of $X,XXX.XX, income of $X,XXX.XX that includes additional OT not included on original XXXX and XXXX, and unexecuted XXXX with Other monthly debt totaling $X,XXX.XX. New Findings set for corrected XXXX and executed Final XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497330 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-XX/XX/XX - received lender response for senior P&I including MI in the amount - Due Diligence Vendor-XX/XX/XXXX Ready for Review-So the reason this is reflecting as $XXXX.XX is because the PI and on the first lien is $XXXX.XX..they also have Mortgage Insurance that I am taking into account of $XXX.XX… so the total is $XXXX.XX for the first P and I. - Seller-XX/XX/XXXX Counter-XX/XX/XX - Please provide a corrected XXXX reflecting the P&I for the senior first mortgage as $X,XXX.XX rather than $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Good Afternoon, Can you please Clarify what exactly you need because we notice these two exceptions negate one another. We want to make sure we get you the correct document. Incorrect XXXX provided. Please provide a corrected XXXX reflecting the P&I for the senior first mortgage as $X,XXX.XX rather than $X,XXX.XX XX/XX/XX - received XXXX with incorrect PITIA of $X,XXX.XX, should be $X,XXX.XX. and Other debt of X,XXX.XX should be $X,XXX.XX - Seller-XX/XX/XXXX Counter-XX/XX/XX - Incorrect XXXX provided. Please provide a corrected XXXX reflecting the P&I for the senior first mortgage as $X,XXX.XX rather than $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received XXXX with incorrect PITIA of $X,XXX.XX, should be $X,XXX.XX. and Other debt of X,XXX.XX should be $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary Provide corrected XXXX for PITI and Other debt consistent with the revised XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-So the reason this is reflecting as $XXXX.XX is because the PI and on the first lien is $XXXX.XX..they also have Mortgage Insurance that I am taking into account of $XXX.XX… so the total is $XXXX.XX for the first P and I. - Seller-XX/XX/XXXX Ready for Review-Good Afternoon, Can you please Clarify what exactly you need because we notice these two exceptions negate one another. We want to make sure we get you the correct document. Incorrect XXXX provided. Please provide a corrected XXXX reflecting the P&I for the senior first mortgage as $X,XXX.XX rather than $X,XXX.XX XX/XX/XX - received XXXX with incorrect PITIA of $X,XXX.XX, should be $X,XXX.XX. and Other debt of X,XXX.XX should be $X,XXX.XX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received lender response for senior P&I including MI in the amount - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497330 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1232 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Missing | Resolved-XX/XX/XX - the LO executed XXXX provided has an incorrect subject PITIA of $X,XXX.XX, and should be $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final XXXX is Missing Provided borrower executed revised final XXXX for added OT income and increase to revolving liabilities. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - the LO executed XXXX provided has an incorrect subject PITIA of $X,XXX.XX, and should be $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 521707 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE0032 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received income worksheet including commission averaged for YTD plus XXXX and XXXX = $X,XXX.XX. However, the borrower is no longer employed with the employer paying commissions in XXXX and XXXX and was terminated XX/XX/XX from XXX Homes. Commissions XXXX YTD with XXX Homes is $XX,XXX.XX or $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The executed subject Note is for $XXX,XXX at XX.XXX% for XX years which results in a monthly P&I of $X,XXX.XX. The underwriter's "proposed" payment is not accurate. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements The audited DTI is XX.X%, which exceeds the guidelines max CLTV of XX.XX%. The subject P&I is $X,XXX.XX per the Note and Final CD. However, the XXXX reflects the subject P&I as $XXX.XX and DTI of XX.XXX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received income worksheet including commission averaged for YTD plus XXXX and XXXX = $X,XXX.XX. However, the borrower is no longer employed with the employer paying commissions in XXXX and XXXX and was terminated XX/XX/XX from XXX Homes. Commissions XXXX YTD with XXX Homes is $XX,XXX.XX or $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 521707 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received income worksheet including commission averaged for YTD plus XXXX and XXXX = $X,XXX.XX. However, the borrower is no longer employed with the employer paying commissions in XXXX and XXXX and was terminated XX/XX/XX from XXX Homes. Commissions XXXX YTD with XXX Homes is $XX,XXX.XX or $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Hoping these will clear the conditions. - Seller-XX/XX/XXXX Counter-The executed subject Note is for $XXX,XXX at XX.XXX% for XX years which results in a monthly P&I of $X,XXX.XX. The underwriter's "proposed" payment is not accurate. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The audited DTI is XX.X%, which exceeds the guidelines max CLTV of XX.XX%. The subject P&I is $X,XXX.XX per the Note and Final CD. However, the XXXX reflects the subject P&I as $XXX.XX and DTI of XX.XXX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Hoping these will clear the conditions. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received income worksheet including commission averaged for YTD plus XXXX and XXXX = $X,XXX.XX. However, the borrower is no longer employed with the employer paying commissions in XXXX and XXXX and was terminated XX/XX/XX from XXX Homes. Commissions XXXX YTD with XXX Homes is $XX,XXX.XX or $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 521707 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1623 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Final 1008 Uniform Underwriting and Transmittal Summary | Resolved-XX/XX/XX - received revised XXXX with borrower X income $Xk plus commission $X,XXX and DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Please provide corrected XXXX with correct subject P&I and additional commission income used for qualification - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received revised XXXX with borrower X income $Xk plus commission $X,XXX and DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 554373 | XXXX | D | A | B | A | D | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided, income and debt gleaned from documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 554373 | XXXX | D | A | B | A | D | A | N/A | N/A | Closed | FCOM1797 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Fees tested at XX%, no variance noted. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Passing XXXX provided showing no cure required for title fees charged. Please advise if anything further is needed. - Seller-XX/XX/XXXX Open-The SPL provided does not include providers for title services. The Final CD reflects title fees in section B. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Passing XXXX provided showing no cure required for title fees charged. Please advise if anything further is needed. - Seller-XX/XX/XXXX |
Resolved-Fees tested at XX%, no variance noted. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 602618 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 624364 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary Final XXXX was not provided, income and debt gleaned other lender documentation. Additional findings XXX be required upon receipt - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Second Home | Refinance | Cash Out - Other | N/A | N/A | ||||
| 624364 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE7497 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-XX/XX/XXXX - received property taxes and HOI for primary at XXXX Dr SW - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received the HOI policy for subject SECON HOME atXXXX Ave SE -- Please provide the taxes and insurance for the borrower's PRIMARY residence at XXXX Dr SW. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Provided account history reflecting HOI and taxes on primary residence along with renewal. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received Seller for subject 2nd home. Please provide documentation of taxes and insurance for borrower's primary residence to support the PITIA used for qualification. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Please provide documentation for taxes and insurance for primary residence. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Provided account history reflecting HOI and taxes on primary residence along with renewal. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received property taxes and HOI for primary at XXXX Fairlawn Dr SW - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Second Home | Refinance | Cash Out - Other | N/A | N/A | ||||
| 602619 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1797 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Provider's List provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received SPL. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide Service Provider's List. Missing evidence an SPL was provided within X business days of the application date. All fees should be considered as a fee not allowed to be shopped and subject to XX% tolerance. The Final CD shows fees listed in section B, tolerance variance is not noted. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Service Provider's List provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received SPL. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 602619 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See PCCD, LOE and borrower loan account history confirming refund to borrower via principal reduction to their loan balance. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received a duplicate final CD dated XX/XX/XXXX. Still missing valid COC or evidence the borrower was reimbursed $XX.XX for the increase to the Credit Report Fee. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Loan closed XX/XX/XX, rescission date XX/XX/XX and disbursed on XX/XX/XX. Final CD and Final Alta Statement confirm rescission date of XX/XX/XX. - Seller-XX/XX/XXXX Counter-XX/XX/XX - Received duplicate revised CD and generic cover letter issued XX/XX/XX. The cover letter does not specify which fees increased or the reason and event date of the changes, as required per TRID rule, therefore is not a valid COC of the increase in the credit report fee. Increases in X% and XX% fees must be documented in the loan file the with the event date of change and reason for change. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX Open-The Credit Report Fee increased from $XX to $XXX from the XXXeline LE to the Final CD without a valid written COC, missing evidence the borrower was reimbursed $XX.XX to cure the X% tolerance variance - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See PCCD, LOE and borrower loan account history confirming refund to borrower via principal reduction to their loan balance. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Loan closed XX/XX/XX, rescission date XX/XX/XX and disbursed on XX/XX/XX. Final CD and Final Alta Statement confirm rescission date of XX/XX/XX. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 602619 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See PCCD, LOE and borrower loan account history confirming refund to borrower via principal reduction to their loan balance. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received a duplicate final CD dated XX/XX/XXXX. Still missing valid COC or evidence the borrower was reimbursed $XX.XX for the increase to the Credit Report Fee. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Loan closed XX/XX/XX, rescission date XX/XX/XX and disbursed on XX/XX/XX. Final CD and Final Alta Statement confirm rescission date of XX/XX/XX. - Seller-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See PCCD, LOE and borrower loan account history confirming refund to borrower via principal reduction to their loan balance. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Loan closed XX/XX/XX, rescission date XX/XX/XX and disbursed on XX/XX/XX. Final CD and Final Alta Statement confirm rescission date of XX/XX/XX. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 602619 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See PCCD, LOE and borrower loan account history confirming refund to borrower via principal reduction to their loan balance. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received a duplicate final CD dated XX/XX/XXXX. Still missing valid COC or evidence the borrower was reimbursed $XX.XX for the increase to the Credit Report Fee. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Loan closed XX/XX/XX, rescission date XX/XX/XX and disbursed on XX/XX/XX. Final CD and Final Alta Statement confirm rescission date of XX/XX/XX. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See PCCD, LOE and borrower loan account history confirming refund to borrower via principal reduction to their loan balance. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Loan closed XX/XX/XX, rescission date XX/XX/XX and disbursed on XX/XX/XX. Final CD and Final Alta Statement confirm rescission date of XX/XX/XX. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with $XXX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 602620 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - Received COC for appraisal increase. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX COC LE was sent for the appraisal fee that increased to $XXX. There was an additional appraisal fee added – total appraisal fee now is $XXXX, this was not disclosed in time and a lender tolerance cure was added for $XXX. A Lender tolerance cure was also added for $XX.XX for appraisal review fee. Total lender cure applied XXXX.XX is reflected on final CD - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The appraisal fee increased from $XXX to $XXXX and the appraisal review fee increased from $X to $XX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $X,XXX to cure the X% tolerance variance. The final CD reflects a lender credit of XXXX, however borrower is still owed XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX/XX COC LE was sent for the appraisal fee that increased to $XXX. There was an additional appraisal fee added – total appraisal fee now is $XXXX, this was not disclosed in time and a lender tolerance cure was added for $XXX. A Lender tolerance cure was also added for $XX.XX for appraisal review fee. Total lender cure applied XXXX.XX is reflected on final CD - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Received COC for appraisal increase. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 602620 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XX COC LE was sent for the appraisal fee that increased to $XXX. There was an additional appraisal fee added – total appraisal fee now is $XXXX, this was not disclosed in time and a lender tolerance cure was added for $XXX. A Lender tolerance cure was also added for $XX.XX for appraisal review fee. Total lender cure applied XXXX.XX is reflected on final CD - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XXXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX. Borrower is still owed an additional XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX/XX COC LE was sent for the appraisal fee that increased to $XXX. There was an additional appraisal fee added – total appraisal fee now is $XXXX, this was not disclosed in time and a lender tolerance cure was added for $XXX. A Lender tolerance cure was also added for $XX.XX for appraisal review fee. Total lender cure applied XXXX.XX is reflected on final CD - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 602621 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1797 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Provider's List provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received SPL. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide Service Provider's List. Warning: Missing evidence a Services Provider List was issued within X business days of the application date. All fees should be subject to XX% tolerance. The Final CD shows fees listed in section B, fees were reviewed as XX% tolerance with no variance noted. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Service Provider's List provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received SPL. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 602621 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See provided PCCD, LOE and account history confirming the $XXX.XX refund to the borrower was provided via a principal reduction to borrower loan balance. - Seller-XX/XX/XXXX Counter-XX/XX/XX - Received duplicate revised CD and generic cover letter issued XX/XX/XX. The cover letter does not specify which fees increased or the reason and event date of the changes, as required per TRID rule, therefore is not a valid COC of the increase in the appraisal and credit report fees. Increases in X% and XX% fees must be documented in the loan file the with the event date of change and reason for change. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal Fee increased from $XXX to $XXX and The Credit Report fee increased from $XX to $XXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXX.XX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See provided PCCD, LOE and account history confirming the $XXX.XX refund to the borrower was provided via a principal reduction to borrower loan balance. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 602621 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See provided PCCD, LOE and account history confirming the $XXX.XX refund to the borrower was provided via a principal reduction to borrower loan balance. - Seller-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See provided PCCD, LOE and account history confirming the $XXX.XX refund to the borrower was provided via a principal reduction to borrower loan balance. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 602621 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See provided PCCD, LOE and account history confirming the $XXX.XX refund to the borrower was provided via a principal reduction to borrower loan balance. - Seller-XX/XX/XXXX Counter-XX/XX/XX - Received duplicate revised CD and generic cover letter issued XX/XX/XX. The cover letter does not specify which fees increased or the reason and event date of the changes, as required per TRID rule, therefore is not a valid COC of the increase in the appraisal and credit report fees. Increases in X% and XX% fees must be documented in the loan file the with the event date of change and reason for change. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. The Appraisal Fee increased from $XXX to $XXX and The Credit Report fee increased from $XX to $XXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XXX.XX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See provided PCCD, LOE and account history confirming the $XXX.XX refund to the borrower was provided via a principal reduction to borrower loan balance. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588038 | XXXX | D | A | A | A | C | A | N/A | N/A | Closed | FVAL8946 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Appraisal | Resolved- - Due Diligence Vendor-XX/XX/XXXX Cured-XX/XX/XX - received ClearAVM with XX% confidence score. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing appraisal or other acceptable valuation product. Used appraised value from final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Cured-XX/XX/XX - received ClearAVM with XX% confidence score. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 588038 | XXXX | D | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - Received PCCD issued XX/XX/XX reflecting $XX.XX lender credit, issued as a principal reduction, to cure remaining amount over tolerance. Also received account history reflecting principal reduction of $XX.XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see provided PCCD and account history showing principal reduction was applied for tolerance fees not disclosed correctly. Our calculation had an amount still owing of $ XX.XX. Principal reduction has been applied to borrowers loan balance and is noted on the account history - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Loan Discount fee increased from $XXXX to $XXXX.XX, the Credit Report fee increased from $XX to $XXX and the Transfer Taxes increased from $XXX to XXX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $XX.XX to cure the X% tolerance variance. The final CD reflects a $XX.XX lender credit, however the borrower is still due $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see provided PCCD and account history showing principal reduction was applied for tolerance fees not disclosed correctly. Our calculation had an amount still owing of $ XX.XX. Principal reduction has been applied to borrowers loan balance and is noted on the account history - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Received PCCD issued XX/XX/XX reflecting $XX.XX lender credit, issued as a principal reduction, to cure remaining amount over tolerance. Also received account history reflecting principal reduction of $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 588038 | XXXX | D | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - Received PCCD issued XX/XX/XX reflecting $XX.XX lender credit, issued as a principal reduction, to cure remaining amount over tolerance. Also received account history reflecting principal reduction of $XX.XX. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX. Remaining amount due borrower is $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XX - Received PCCD issued XX/XX/XX reflecting $XX.XX lender credit, issued as a principal reduction, to cure remaining amount over tolerance. Also received account history reflecting principal reduction of $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||||
| 643011 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 623953 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1293 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-Income X Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX XXXX-R for pension income at $X,XXX.XXX/month - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per UW, XXXX XXXX supports income used and has been added to the XXXX Folder. This has been provided for your review. - Seller-XX/XX/XXXX Open-Income X Months Income Verified is Missing Missing income documentation for pension in amount of $XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Per UW, XXXX XXXX supports income used and has been added to the XXXX Folder. This has been provided for your review. - Seller-XX/XX/XXXX |
Resolved-Income X Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX XXXX-R for pension income at $X,XXX.XXX/month - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 623953 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX XXXX-R for pension income at $X,XXX.XXX/month - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per UW, XXXX XXXX supports income used and has been added to the XXXX Folder. This has been provided for your review. - Seller-XX/XX/XXXX Open-The DTI is XX.XX% which exceeds the guideline max of XX.XX% and lenders calculation of XX.XXX due to missing income documentation for pension in amount of $XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Per UW, XXXX XXXX supports income used and has been added to the XXXX Folder. This has been provided for your review. - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received XXXX XXXX-R for pension income at $X,XXX.XXX/month - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 623953 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCOM1265 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form No executed ROR for Non-Borrowing Title Holder evidencing the borrower had X business days to rescind the refinance was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received executed ROR - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 385448 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1204 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Drive dated XX/XX/XXXX with Pass, all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Fraud report (pg XXX) reflects several uncleared High Alerts. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Drive dated XX/XX/XXXX with Pass, all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 370288 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE7009 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-XX/XX/XXXX - received Insurance estimate to re-build of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - no curative provided - received a snip from policy stating the FAIR plan does not estimate the cost to rebuild and the Coverage A is XXXed on an estimate of the cost to rebuild. Please provide evidence of sufficient coverage or evidence of guaraneed replacement cost coverage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard policy reflects dwelling coverage $XXX,XXX that is less than the combined liens of $XXX,XXX and cost to replace reflected on the appraisal of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received Insurance estimate to re-build of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 357328 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 357329 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 405650 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 646692 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE0032 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI Does Not Meet Guideline Requirements | Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - re-reviewed credit report provided and confirmed student loan #XXXX was paid in full (pg .XXX) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-DEPT OF EDUCATION/NE $XXX ( loan forgiveness docs and credit supp in file) are being excluded - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received breakdown of other debt which does not include the Student Loan payment of $XXX. The audited other debt was revised to exclude the $XX payment in favor of Affirm Inc since only X payments left, resulting in DTI of XX.XX%. Please provide corrected XXXX reflecting the accurate DTI. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Please provide a breakdown of other debt reflected on the XXXX of $X,XXX. The final XXXX shows other debt as $X,XXX including REO. The audited other debt totals $X,XXX including REO. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-DTI Does Not Meet Guideline Requirements The calculated DTI of XX.XX exceeds guidelines of XX.XX%. The lender's DTI of XX.XXX% does not include rental loss for the REO located at XXX Amonett Circle rental totaling $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-DEPT OF EDUCATION/NE $XXX ( loan forgiveness docs and credit supp in file) are being excluded - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-DTI Guideline Requirements are Satisfied - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - re-reviewed credit report provided and confirmed student loan #XXXX was paid in full (pg .XXX) - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 646692 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received breakdown of other debt which does not include the Student Loan payment of $XXX. The audited other debt was revised to exclude the $XX payment in favor of Affirm Inc since only X payments left, resulting in DTI of XX.XX%. - Due Diligence Vendor-XX/XX/XXXX Counter-Please provide a breakdown of other debt reflected on the XXXX of $X,XXX. The final XXXX shows other debt as $X,XXX including REO. The audited other debt totals $X,XXX including REO. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The DTI of XX.XX exceeds guidelines of XX.XX%. The lender DTI of XX.XXX did not include the Non owner property in the calculation as a rental loss - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX.XX% - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received breakdown of other debt which does not include the Student Loan payment of $XXX. The audited other debt was revised to exclude the $XX payment in favor of Affirm Inc since only X payments left, resulting in DTI of XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 646692 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XXXX The ICD - Seller-XX/XX/XXXX Open-Missing the initial CD. Compliance testing is incomplete. Per cover letter (pg. XX) a CD was provided XX/XX/XXXX and the Closing instruction (pg. XXX) reflect it was received XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX/XXXX The ICD - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received ICD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 646692 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - TD Received COC and revised CD issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX/XXXX - TD Received COC and revised CD issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/XX/XX CD provided - Seller-XX/XX/XXXX Counter-XX/XX/XX - received COC dated XX/XX/XXXX for increase to Points. Missing the Revised CD issued within X business days of the COC. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Points increased from $X on the initial CD issued XX/XX/XXXX to $XXX.XX on the final CD. The lock history (pg XXX) shows lock extensions were applied on XX/XX/XXXX and XX/XX/XXXX however missing revised CDs within X days of the extension. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-XX/XX/XX CD provided - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received COC and revised CD issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 646692 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - TD Received COC and revised CD issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XX - received COC dated XX/XX/XXXX for increase to Points. Missing the Revised CD issued within X business days of the COC. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Points increased from $X on the initial CD issued XX/XX/XXXX to $XXX.XX on the final CD. The lock history (pg XXX) shows lock extensions were applied on XX/XX/XXXX and XX/XX/XXXX however missing revised CDs within X days of the extension. - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - TD Received COC and revised CD issued XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 646692 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 646692 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3614 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Disclosure Dates and USPS Delivery Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID disclosure dates and method of delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is the same day as the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is the same day Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is the same day Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "USPS First Class Mail." Please review the loan data to ensure the dates and method of delivery are correct. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 497332 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1224 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Condo Rider is Missing | Resolved-XX/XX/XX - received recorded Deed and Condo Rider - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Condo Rider is Missing A PUD Rider was prepared with the subject Mortgage however the property type is Condo per the Appraisal, final XXXX and Legal Description. Missing the executed Condo Rider for the subject Mortgage - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received recorded Deed and Condo Rider - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497332 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-XX/XX/XX - received revised CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). Missing the revised CD issued within X days of the COC for increase to settlement charges - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received revised CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497332 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 497332 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received revised CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Revised CD, dated XX/XX/XXXX per the COC on page XXX and the Disclosure Tracking Summary page XXX. Additional Findings XXX apply upon receipt and review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received revised CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497332 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3625 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 474285 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received COC for increase to Transfer Taxes and ICD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X% TOLERANCE of $XX.XX has been addressed. X. Appraisal fee increased to $XXX and tolerance cure of $XX.XX was added to final CD X. $XX.XX in increased transfer taxes was disclosed to the borrower on the XX/X ICD. COC was for loan amount increase, and an increase in transfer taxes was a result of the loan amount increase. This was disclosed to the borrower. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Transfer Taxes Fee increased from $XXX to $XXX.XX, and the Appraisal Fee increased from $XXX to $XXX from the XXXeline LE to the Final CD without a written COC, the cure for these X% tolerance variances is $XX.XX. This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i)). The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX. The Final CD reflected a tolerance cure of $XX which resolved this Appraisal Fee violation. The total outstanding tolerance violation is $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X% TOLERANCE of $XX.XX has been addressed. X. Appraisal fee increased to $XXX and tolerance cure of $XX.XX was added to final CD X. $XX.XX in increased transfer taxes was disclosed to the borrower on the XX/X ICD. COC was for loan amount increase, and an increase in transfer taxes was a result of the loan amount increase. This was disclosed to the borrower. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC for increase to Transfer Taxes and ICD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474285 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received COC for increase to Transfer Taxes and ICD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X% TOLERANCE of $XX.XX has been addressed. X. Appraisal fee increased to $XXX and tolerance cure of $XX.XX was added to final CD X. $XX.XX in increased transfer taxes was disclosed to the borrower on the XX/X ICD. COC was for loan amount increase, and an increase in transfer taxes was a result of the loan amount increase. This was disclosed to the borrower. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X% TOLERANCE of $XX.XX has been addressed. X. Appraisal fee increased to $XXX and tolerance cure of $XX.XX was added to final CD X. $XX.XX in increased transfer taxes was disclosed to the borrower on the XX/X ICD. COC was for loan amount increase, and an increase in transfer taxes was a result of the loan amount increase. This was disclosed to the borrower. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC for increase to Transfer Taxes and ICD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 469154 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | VA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 474287 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1146 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received E&O - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is incomplete or only partially present The O&E provided does not include an attached E&O. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received E&O - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474287 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM8227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-XX/XX/XX - complete LE issued XX/XX/XXXX was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing page X of the revised LE issued XX/XX/XXXX (pg.XXX). Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - complete LE issued XX/XX/XXXX was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 521706 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - received COC dated XX/XX/XXXX for increased to appraisal fee - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XXXX revised LE disclosed appraisal fee increase due to loan program change – appraisal increased from $XXX to$XXXX – COC/LE from XX/XX/XXXX disclosure provided Lender applied a $XXX cure due to under disclosed appraisal fee. Appraisal fee increased from the XX/XX disclosed fee of$XXXX to $XXXX. $XXX cure applied to final CD. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Appraisal Fee increased from $XXX on the initial LE to$XXXX on the revised LE issued XX/XX/XXXX without a written COC. The fee increased again from the XXXeline LE to final CD from$XXXX to $X,XXX of which $XXX was reimbursed to the borrower. Missing either the written COC for increase to the fee on XX/XX/XXXX or additional reimbursement of $XXX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX/XXXX revised LE disclosed appraisal fee increase due to loan program change – appraisal increased from $XXX to$XXXX – COC/LE from XX/XX/XXXX disclosure provided Lender applied a $XXX cure due to under disclosed appraisal fee. Appraisal fee increased from the XX/XX disclosed fee of$XXXX to $XXXX. $XXX cure applied to final CD. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC dated XX/XX/XXXX for increased to appraisal fee - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 521706 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XX - received COC dated XX/XX/XXXX for increased to appraisal fee - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XX/XX/XXXX revised LE disclosed appraisal fee increase due to loan program change – appraisal increased from $XXX to$XXXX – COC/LE from XX/XX/XXXX disclosure provided Lender applied a $XXX cure due to under disclosed appraisal fee. Appraisal fee increased from the XX/XX disclosed fee of$XXXX to $XXXX. $XXX cure applied to final CD. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. The Appraisal Fee increased from $XXX on the initial LE to$XXXX on the revised LE issued XX/XX/XXXX without a written COC. The fee increased again from the XXXeline LE to final CD from$XXXX to $X,XXX of which $XXX was reimbursed to the borrower. Missing either the written COC for increase to the fee on XX/XX/XXXX or additional reimbursement of $XXX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XX/XX/XXXX revised LE disclosed appraisal fee increase due to loan program change – appraisal increased from $XXX to$XXXX – COC/LE from XX/XX/XXXX disclosure provided Lender applied a $XXX cure due to under disclosed appraisal fee. Appraisal fee increased from the XX/XX disclosed fee of$XXXX to $XXXX. $XXX cure applied to final CD. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received COC dated XX/XX/XXXX for increased to appraisal fee - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | NM | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 536647 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, per the Disclosure Tracking Summary (pg.XXX), the initial CD was issued XX/XX/XXXX and received by the borrower on XX/XX/XXXX. Additional findings XXX be required upon receipt - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 536647 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3613 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 545376 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing initial CD. Per the Disclosure Tracking Summary (pg XXX), the initial CD was issued XX/XX/XX and received by the borrower on XX/XX/XX. Compliance is incomplete. Additional findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received ICD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 545376 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XX - received additional CD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. On XX/XX/XX, ICD/COC was sent to borrower, XXX, immediately after the ICD was sent to XXX, XXX, using the same email address. These disclosures were sent back to back on XX/XX/XX. Disclosure tracking summary also shows this. - Seller-XX/XX/XXXX Open-Missing revised CD. Disclosure Tracking Summary (pg XXX) reflects a revised CD was issued on XX/XX/XX and received by borrower on XX/XX/XX. COC issued on XX/XX/XX (pg XXX) reflects APR increase and credit report fee increased. Please note that Disclosure Tracking Summary (pg XXX) reflects BOTH the initial CD and revised CD were issued on XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. On XX/XX/XX, ICD/COC was sent to borrower, XXX, immediately after the ICD was sent to XXX, XXX, using the same email address. These disclosures were sent back to back on XX/XX/XX. Disclosure tracking summary also shows this. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received additional CD issued XX/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 545376 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Cure with FCD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The FINAL CD mentioned on the rebuttal did reflect a $XX.XX lender cure for the increased credit report fee to $XX.XX. A COC was not issued as a lender cure provided. Cure was applied on the XX/XX/XX CD – Credit report fee changed from $XX.XX to $XX.XX, cure applied $XX.XX - Seller-XX/XX/XXXX Counter-XX/XX/XX - the ICD issued XX/XX/XX does not reflect the Credit Report Fee increase to $XX.XX. The increase is reflected on the Final CD which exceeds X business days since the COC was issued. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. On XX/XX/XX, ICD/COC was sent to borrower, XXX, immediately after the ICD was sent to XXX, XXX, using the same email address. These disclosures were sent back to back on XX/XX/XX. Disclosure tracking summary also shows this. Provided XX/XX/XX ICDs to investor. - Seller-XX/XX/XXXX Open-The Credit Report increased from XXX to XX.XX with a COC however the COC is dated XX/XX/XXXX, no CD was issued within X days of the COC reflecting the increase. - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The FINAL CD mentioned on the rebuttal did reflect a $XX.XX lender cure for the increased credit report fee to $XX.XX. A COC was not issued as a lender cure provided. Cure was applied on the XX/XX/XX CD – Credit report fee changed from $XX.XX to $XX.XX, cure applied $XX.XX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. On XX/XX/XX, ICD/COC was sent to borrower, XXX, immediately after the ICD was sent to XXX, XXX, using the same email address. These disclosures were sent back to back on XX/XX/XX. Disclosure tracking summary also shows this. Provided XX/XX/XX ICDs to investor. - Seller-XX/XX/XXXX |
Resolved-Cure with FCD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 545376 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The FINAL CD mentioned on the rebuttal did reflect a $XX.XX lender cure for the increased credit report fee to $XX.XX. A COC was not issued as a lender cure provided. Cure was applied on the XX/XX/XX CD – Credit report fee changed from $XX.XX to $XX.XX, cure applied $XX.XX - Seller-XX/XX/XXXX Counter-XX/XX/XX - the ICD issued XX/XX/XX does not reflect the Credit Report Fee increase to $XX.XX. The increase is reflected on the Final CD which exceeds X business days since the COC was issued. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. On XX/XX/XX, ICD/COC was sent to borrower, XXX, immediately after the ICD was sent to XXX, XXX, using the same email address. These disclosures were sent back to back on XX/XX/XX. Disclosure tracking summary also shows this. Provided XX/XX/XX ICDs to investor. - Seller-XX/XX/XXXX Open-The Credit Report increased from XXX to XX.XX with a COC however the COC is dated XX/XX/XXXX, no CD was issued within X days of the COC reflecting the increase. Missing evidence the borrower was reimbursed $XX.XX to cure the X% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The FINAL CD mentioned on the rebuttal did reflect a $XX.XX lender cure for the increased credit report fee to $XX.XX. A COC was not issued as a lender cure provided. Cure was applied on the XX/XX/XX CD – Credit report fee changed from $XX.XX to $XX.XX, cure applied $XX.XX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. On XX/XX/XX, ICD/COC was sent to borrower, XXX, immediately after the ICD was sent to XXX, XXX, using the same email address. These disclosures were sent back to back on XX/XX/XX. Disclosure tracking summary also shows this. Provided XX/XX/XX ICDs to investor. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 545376 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XX - the ICD issued XX/XX/XX does not reflect the Credit Report Fee increase to $XX.XX. The increase is reflected on the Final CD which exceeds X business days since the COC was issued. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. On XX/XX/XX, ICD/COC was sent to borrower, XXX, immediately after the ICD was sent to XXX, XXX, using the same email address. These disclosures were sent back to back on XX/XX/XX. Disclosure tracking summary also shows this. Provided XX/XX/XX ICDs to investor. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. On XX/XX/XX, ICD/COC was sent to borrower, XXX, immediately after the ICD was sent to XXX, XXX, using the same email address. These disclosures were sent back to back on XX/XX/XX. Disclosure tracking summary also shows this. Provided XX/XX/XX ICDs to investor. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - the ICD issued XX/XX/XX does not reflect the Credit Report Fee increase to $XX.XX. The increase is reflected on the Final CD which exceeds X business days since the COC was issued. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | ID | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 563775 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1201 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Drive report with all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the Drive report reflecting all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Drive report with all alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563775 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1265 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed RORs for borrower and non-borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form - Please provide copy of Notice of Right to Cancel form executed by non-borrowing spouse at time of settlement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed RORs for borrower and non-borrower - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563775 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1030 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Federal Privacy disclosure - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete - Please provide evidence of date disclosure sent to the borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Federal Privacy disclosure - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563775 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1623 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Final 1008 Uniform Underwriting and Transmittal Summary | Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received XXXX for wrong borrower (Cantrell in FL) rather than Bruna in KS) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563775 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1293 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-XX/XX/XX - received evidence of lot free and clear - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received XXXX tax info only of $XX.XXX/mo. Please provide verification lot located at XXXX N XXX Street is held free and clear, and validate insurance premium and HOA dues as applicable, totaling $XXX.XXX/mo per Final XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - no curative provided - received XXXX for wrong borrower. Please provide verification lot located at XXXX N XXX Street is held free and clear, and validate taxes, insurance premium, and HOA dues as applicable, totaling $XXX.XXX/mo per Final XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Income X Months Income Verified is Missing - Please provide verification lot located at XXXX N XXX Street is held free and clear, and validate taxes, insurance premium, and HOA dues as applicable, totaling $XXX.XXX/mo per Final XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received evidence of lot free and clear - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563775 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FPRO1242 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received appraisal dated XX/XX/XX at$XXXXk - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-No valuation documentation was provided in the image file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received appraisal dated XX/XX/XX at$XXXXk - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563775 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1158 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received policy expiration XX/XX/XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-- Hazard Insurance Policy in file expires prior to Disbursement Date; please provide copy of renewal through XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received policy expiration XX/XX/XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563775 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE1204 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Drive Report dated XX/XX/XX - all alerts cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received Drive Report dated XX/XX/XX - all alerts cleared - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 577561 | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided. Income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588029 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The appraisal increased from $XXX to XXX from the XXXeline LE to the final CD without a written COC. The final CD reflects a $XXX lender credit to cure amount over tolerance. Total violation for X% and XX% variance over tolerance is XXXX and the borrower is still owned $XXX.XX for the XX% fee variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588029 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received LOE to borrower stating $XXX.XX will be applied as a principal reduction. Please provide PCCD reflecting this and documentation reflecting principal reduction applied. Letter to borrower is not sufficient to clear finding. Explanation to borrower, PCCD and proof cure applied are all required. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X. UCC - we provided the recorded termination agreements X. X% - appraisal fee, increase in appraisal from $XXX to XXX. Lender provided cure for $XXX X. XX% fees – Principal reduction was applied to borrower outstanding loan balance for $XXX.XX. Provided account history reflecting this - Seller-XX/XX/XXXX Counter-XX/XX/XX - no new documentation provided. Lender uploaded Final CD and UCC recordings which have previously been received and reviewed. As previously stated $XXX lender credit was acknowledged in initial finding, however unable to resolve finding until borrower is provided with complete cure as compliance system can not determine what violation the credit was applied to. Total violation is XXXX and the borrower is still owned $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see UCC Terms provided - XXXXXXX REC UCC XX AND XXXXXXX REC UCC XX - Seller-XX/XX/XXXX Counter-XX/XX/XX - Received copy of final CD and comment from seller stating $XXX lender credit was applied to appraisal tolerance violation, which is acknowledged in initial finding. Unable to resolve finding until borrower is provided with complete cure as compliance system can determine what violation the credit was applied to. Total violation is XXXX and the borrower is still owned $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Lender cure of $XXX was applied for X% tolerance increase to appraisal fee and was applied to the final CD. - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). The Lender's Title Insurance increased from $XXX to $XXX and the Settlement Fee increased from $X to $XXX and the Tax Cert Fee increased from $X to $XX and the Title Doc Prep Fee increased from $XXX to $XXX and the Recording Fee increased from $XXX to $XXX from the XXXeline LE to the final CD without a written COC. Missing evidence the borrower was reimbursed $XXX.XX to cure the XX% tolerance variance. The final CD reflects a $XXX lender credit to cure the X% appraisal tolerance violation. Total violation is XXXX and the borrower is still owned $XXX.XX for the XX% fee variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. X. UCC - we provided the recorded termination agreements X. X% - appraisal fee, increase in appraisal from $XXX to XXX. Lender provided cure for $XXX X. XX% fees – Principal reduction was applied to borrower outstanding loan balance for $XXX.XX. Provided account history reflecting this - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see UCC Terms provided - XXXXXXX REC UCC XX AND XXXXXXX REC UCC XX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Lender cure of $XXX was applied for X% tolerance increase to appraisal fee and was applied to the final CD. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588029 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | finding-3638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Amount Test | Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR §XXXX.XX(f)(X)(v)). Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX. The final CD reflects a $XXX lender credit to cure the X% appraisal tolerance violation, however the borrower is still owned $XXX.XX for the XX% fee variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX- received PCCD issued XX/XX/XXXX with $XXX.XX cure reflected as principal reduction of subject loan in Payoffs and Payments rather than section J and pay history reflecting application of the amount. Pay history provided reflecting the principal reduction on the subject loan. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588029 | XXXX | C | A | C | A | C | A | N/A | N/A | Closed | FCRE1254 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received recorded UCC terminations. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see UCC Terms provided - XXXXXXX REC UCC XX AND XXXXXXX REC UCC XX - Seller-XX/XX/XXXX Open-Property Title Issue The Title Commitment, Schedule C paragraSellers X and X reflect that executed terminations or subordinations are required for UCC loans to XXX LLC recorded on XX/XX/XX and XX/XX/XX. No documentation verifying termination or subordination is provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see UCC Terms provided - XXXXXXX REC UCC XX AND XXXXXXX REC UCC XX - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received recorded UCC terminations. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581556 | XXXX | D | A | B | A | D | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX with senior P&I of $XXX.XX. Per senior Note, P&I is $XXX.XX. DTI variance nominal - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided, income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX with senior P&I of $XXX.XX. Per senior Note, P&I is $XXX.XX. DTI variance nominal - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581556 | XXXX | D | A | B | A | D | A | N/A | N/A | Closed | FCOM8972 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust Riders | Resolved-XX/XX/XX - received complete recorded DOT with Rider - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Manufactured Home Affidavit of Affixation Rider. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received complete recorded DOT with Rider - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 581555 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX which reflects higher senior P&I, FHA MI of $XX.XX applied to DTI. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The final XXXX was not provided. Income and debt gleaned from other documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX which reflects higher senior P&I, FHA MI of $XX.XX applied to DTI. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 581555 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE5393 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Mortgage Insurance Defect | Resolved-XX/XX/XX - received XXXX which reflects higher senior P&I, FHA MI of $XX.XX applied to DTI. - Due Diligence Vendor-XX/XX/XXXX Open-Missing verification of monthly amount of MI on first mortgage. Note reflects first mortgage is an FHA loan, however no documentation verifying MI amount is provided. DTI to be recalculated upon receipt. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XX - received XXXX which reflects higher senior P&I, FHA MI of $XX.XX applied to DTI. - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||||
| 602622 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM7213 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Mortgage Riders incomplete / inaccurate | Resolved-XX/XX/XX - complete DOT provided with Riders - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached is the mortgage with the full rider waiting for the recorded one. - Seller-XX/XX/XXXX Open-Missing pages X-X for the Manufactured Home affidavit of affixation rider. Only pages X-X of the rider are in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached is the mortgage with the full rider waiting for the recorded one. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - complete DOT provided with Riders - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 602622 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1797 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Provider's List provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received SPL. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide Service Provider's List. Missing evidence a Services Provider List was issued within X business days of the application date. All fees should be subject to XX% tolerance. The Final CD shows fees listed in section B, fees were reviewed as XX% tolerance with no variance noted. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Service Provider's List provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received SPL. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 623957 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCRE1159 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-XX/XX/XXXX - received prior policy in effect XX/XX/XXXX through XX/XX/XXXX, no gap in coverage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See borrower provided HOI policy for this refinance. XX/XX/XXXX-XX/XX/XX (current policy is from XX/XX/XX to XX/XX/XX) - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Missing proof of Hazard insurance from XX/XX/XXXX to XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See borrower provided HOI policy for this refinance. XX/XX/XXXX-XX/XX/XX (current policy is from XX/XX/XX to XX/XX/XX) - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received prior policy in effect XX/XX/XXXX through XX/XX/XXXX, no gap in coverage - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 623957 | XXXX | D | A | C | A | D | A | N/A | N/A | Closed | FCOM1266 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received HOC issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Homeownership Counseling Disclosure Is Missing Missing evidence the borrower was provided a Homeownership Counseling Disclosure, including a list of at least XX counseling agencies, within X business days of the application date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received HOC issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 624365 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1441 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-XX/XX/XXXX - received revised final XXXX to include X% payment on charged off account totaling $X,XXX, DTI now XX.XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-- Credit history reflects multiple XX+ day lates in the past XX months across six accounts which became charge-offs in XXXX. Explanation letter in file from the borrowers indicates they became delinquent due to the pandemic, lates began in XX/XXXX. One outstanding charge-off of $X,XXX was excluded without payment and was not required to be satisfied at closing. Lender to provide satisfactory rationale for approval as none listed on XXXX, due to the recency and number of derogatory items. Without this, CES Guideline for Credit History Evaluation- Significant Derogatory Credit section logic does not appear to have been met. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received revised final XXXX to include X% payment on charged off account totaling $X,XXX, DTI now XX.XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 624366 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 393043 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 385454 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCRE1620 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received e-consent signed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received e-consent signed XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 418252 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCRE1620 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - e-sign consent received - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - e-sign consent received - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 418252 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1797 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Provider's List provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received SPL issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide Service Provider's List. Missing evidence a Services Provider List was issued within X business days of the application date. All fees should be subject to XX% tolerance. The Final CD shows fees listed in section C; fees were reviewed as XX% tolerance with no variance noted. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Service Provider's List provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received SPL issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 418252 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM4227 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received initial CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the initial CD, which per the Acknowledgement from Borrower (pg XXXX), was received on XX/XX/XXXX. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received initial CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 418252 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1544 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-XX/XX/XXXX - received revised CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - Curative not provided - received the initial CD issued XX/XX/XXXX only. Please provide the revised CD issued within X days of the XX/XX/XXXX COC (pg.XXX). The COC Acknowledgement from Borrower (pg XXXX) reflects this revised CD was received on XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing the revised CD issued within X days of the XX/XX/XXXX COC (pg.XXX). The COC Acknowledgement from Borrower (pg XXXX) reflects this revised CD was received on XX/XX/XXXX; however, the CD was not found in the image file. Additional Findings XXX apply. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received revised CD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 418252 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% (XXXX.XX) exceed the comparable charges ($XXXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 418252 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 418252 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 357332 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1347 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing Missing VVOE dated within XX days of closing for XX. Work # documentation provided verified employment on XX/XX/XXXX, loan closed XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 373928 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCRE1623 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Final 1008 Uniform Underwriting and Transmittal Summary | Resolved-XX/XX/XXXX - received business bank statement reflecting auto loan payment made through business. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The bank statement are showing the business pays the auto paymanet. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received updated XXXX with correct PITI for the first and second liens. However, per the credit report and final XXXX, the Other debt should total $X,XXX with a resulting DTI of XX.XX%. The final XXXX provided excluded the monthly auto loan payment of $XXXX and reflects a DTI of XX.XX%. Provide an amended final XXXX and XXXX or evidence the installment loan to TD Auto Finance is excluded from the DTI calculation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The final XXXX (pg XX) reflects 1st mtg payment of $X,XXX, should reflect X,XXX.XX (lender included taxes and insurance in P&I pymt for 1st mtg) and does not reflect correct "all other monthly payments" (XXXX reflects XXX, should be $X,XXX). Front end DTI reflects XX.XX%, should reflect XX.XX% and back end DTI reflects XX.XX%, should reflect XX.XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The bank statement are showing the business pays the auto paymanet. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received business bank statement reflecting auto loan payment made through business. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 370300 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1601 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income Verification does not meet eligibility requirement(s) | Resolved-XX/XX/XXXX - received seller response that first page of tax return provided to determine if there is a meaningful business loss. Finding resolved - audited income includes loss and the DTI remains within GLs at XX.XX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received seller response addressing borrowers wage income with Dept of Defense - however missing explanation for the exclusion of farm loss in the DTI. Tax returns show farming income loss for XXXX and XXXX that was not included in qualifying ratios. Using X-year average, borrower has monthly loss of $XXX.XX for farming income. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-. The borrower X has been employed with no gap since XXXX. He has some overlapping employment due to being a veteran and working for the Dept of Def. He start this new job in XX/XXXX and all appropriate taxes, paystubs, and w2s are in the file - Seller-XX/XX/XXXX Open-Guidelines require paystubs indicate the employer name. Paystubs for borrower X list an address and XXX but do not identify an employer name to verify employment/income source. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-. The borrower X has been employed with no gap since XXXX. He has some overlapping employment due to being a veteran and working for the Dept of Def. He start this new job in XX/XXXX and all appropriate taxes, paystubs, and w2s are in the file - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received seller response that first page of tax return provided to determine if there is a meaningful business loss. Finding resolved - audited income includes loss and the DTI remains within GLs at XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 370300 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1329 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Resolved-Borrower X w2X/XXXX Less Than XX Months Provided - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X w2X/XXXX Less Than XX Months Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X w2X/XXXX Less Than XX Months Provided - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X w2X/XXXX Less Than XX Months Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received seller response and PCA concurs: "The borrower X has been employed with no gap since XXXX. He has some overlapping employment due to being a veteran and working for the Dept of Def. He started this new job in XX/XXXX and all appropriate taxes, paystubs, and w2s are in the file." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-. The borrower X has been employed with no gap since XXXX. He has some overlapping employment due to being a veteran and working for the Dept of Def. He started this new job in XX/XXXX and all appropriate taxes, paystubs, and w2s are in the file. - Seller-XX/XX/XXXX Open-Borrower X w2X/XXXX Less Than XX Months Provided Guidelines require X years W-X. Missing XXXX W-X for borrower X; only XXXX W-X in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-. The borrower X has been employed with no gap since XXXX. He has some overlapping employment due to being a veteran and working for the Dept of Def. He started this new job in XX/XXXX and all appropriate taxes, paystubs, and w2s are in the file. - Seller-XX/XX/XXXX |
Resolved-Borrower X w2X/XXXX Less Than XX Months Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X w2X/XXXX Less Than XX Months Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received seller response and PCA concurs: "The borrower X has been employed with no gap since XXXX. He has some overlapping employment due to being a veteran and working for the Dept of Def. He started this new job in XX/XXXX and all appropriate taxes, paystubs, and w2s are in the file." - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | |||||
| 370300 | XXXX | C | A | C | A | A | A | N/A | N/A | Closed | FCRE1497 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-XX/XX/XXXX - received seller response that first page of tax return provided to determine if there is a meaningful business loss. Finding resolved - audited income includes loss and the DTI remains within GLs at XX.XX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XXXX - received seller response addressing borrowers wage income with Dept of Defense - however missing explanation for the exclusion of farm loss in the DTI. Tax returns show farming income loss for XXXX and XXXX that was not included in qualifying ratios. Using X-year average, borrower has monthly loss of $XXX.XX for farming income. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-. The borrower X has been employed with no gap since XXXX. He has some overlapping employment due to being a veteran and working for the Dept of Def. He start this new job in XX/XXXX and all appropriate taxes, paystubs, and w2s are in the file - Seller-XX/XX/XXXX Open-ATR: Reasonable Income or Assets Not Considered Tax returns show farming income loss for XXXX and XXXX that was not included in qualifying ratios. Using X year average, borrower has monthly loss of $XXX.XX for farming income. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-. The borrower X has been employed with no gap since XXXX. He has some overlapping employment due to being a veteran and working for the Dept of Def. He start this new job in XX/XXXX and all appropriate taxes, paystubs, and w2s are in the file - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received seller response that first page of tax return provided to determine if there is a meaningful business loss. Finding resolved - audited income includes loss and the DTI remains within GLs at XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 373929 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | |||||||||||||||||||
| 385456 | XXXX | C | B | C | B | A | A | N/A | N/A | Closed | FCRE1193 | XX/XX/XXXX | XX/XX/XXXX | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-XX/XX/XXXX - received client waiver: "Exception approved" - Due Diligence Vendor-XX/XX/XXXX Open-Audited DTI of XX% exceeds Guideline DTI of XX.XX% Audited "other liabilities" totals$XXXX XXXed on supplemental credit report (pg. XXX) versus lenders other liabilities of $X,XXX. The DTI includes PITI for an REO awarded to ex-spouse per Order (pg. XXX) whereby the ex-spouse is responsible for monthly payments. The mortgage trade remains on the borrowers credit report and therefore was included in the DTI calculation. - Due Diligence Vendor-XX/XX/XXXX |
Waived-XX/XX/XXXX - received client waiver: "Exception approved" - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | ||||||
| 385455 | XXXX | C | B | B | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement of$XXXX to cure tolerance variance of $XXX and settlement fees not disclosed in good faith of$XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Document Uploaded. Attaching the CD to show consumption date. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Transfer Taxes increased from $X to $XXX from the XXXeline LE to the Final CD without a written COC. Missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement of$XXXX to cure tolerance variance of $XXX and settlement fees not disclosed in good faith of$XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 385455 | XXXX | C | B | B | A | C | B | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement of$XXXX to cure tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Open-Document Uploaded. - Seller-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement of$XXXX to cure tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||||
| 385455 | XXXX | C | B | B | A | C | B | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement of$XXXX to cure tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Open-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement of$XXXX to cure tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | |||||
| 385455 | XXXX | C | B | B | A | C | B | N/A | N/A | Closed | FCRE1668 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | TRID | TRID: Initial Loan Estimate does not met general requirements for a good faith estimate. | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement of$XXXX to cure tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The initial LE and revised LE disclose only a survey fee in section C; no title or settlement fees were disclosed to the borrower on the LEs. The initial CD and final CD reflect title and settlement fees in section C, in the amount of$XXXX on the final CD. An SPL was provided at application reflecting title and settlement services, however no fee estimates were provided. The borrower did not use the service provider reflected on the SPL, and fees are correctly disclosed in section C of the LEs and CDs, however unable to determine if the lender disclosed title and settlement fees in good faith. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement of$XXXX to cure tolerance variance. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 385455 | XXXX | C | B | B | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | ||||||
| 385455 | XXXX | C | B | B | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | ||||||
| 385453 | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement to the borrower of$XXXX - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement to the borrower of$XXXX - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is$XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). The Transfer Taxes increased from $X to $XXX from the XXXeline LE to the Final CD without a written COC. Missing evidence the borrower was reimbursed $XXX to cure the X% tolerance variance. Your total tolerance violation is$XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement to the borrower of$XXXX - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement to the borrower of$XXXX - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 385453 | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement to the borrower of$XXXX - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement to the borrower of$XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($X.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement to the borrower of$XXXX - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement to the borrower of$XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 385453 | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement to the borrower of$XXXX - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement to the borrower of$XXXX - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 385453 | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement to the borrower of$XXXX - Due Diligence Vendor-XX/XX/XXXX Counter-XX/XX/XXXX - Final CD provided, however still missing either the valid written COC for increase to the Recording Fee or evidence the borrower was reimbursed for the tolerance variance along with a copy of the check and PCCD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received PCCD issued XX/XX/XXXX with reimbursement to the borrower of$XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 385453 | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | A | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Resolved-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Resolved-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||||
| 385453 | XXXX | C | B | A | A | C | B | N/A | N/A | Closed | finding-3622 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | B | B | Compliance | TRID | TRID Post-Consummation Reason for Redisclosure Validation Test | Acknowledged-This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | ||||||
| 393042 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCRE8728 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Payment History | Resolved-XX/XX/XXXX - received final CD with PO Addendum showing Payoff to Calhfa X & 2nd for$XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Per the uploaded CD the X mortgages were paid off at closing. Please clear the condition. - Seller-XX/XX/XXXX Open-Missing payment history for$XXXX second mortgage and$XXXX third mortgage both in favor of Golden Empire Mortgage and both recorded on XX/XX/XX, per PIRT (pg XXX). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Per the uploaded CD the X mortgages were paid off at closing. Please clear the condition. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received final CD with PO Addendum showing Payoff to Calhfa X & 2nd for$XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 415326 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FCOM1208 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received completed executed Note - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Note is Incomplete Missing page X of the Note. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received completed executed Note - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 415326 | XXXX | D | A | A | A | D | A | N/A | N/A | Closed | FPRO1136 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is XXXis (Primary Value) | Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Form XXX dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Please provide a Completion Certification or Form XXX prepared by the appraiser addressing the specific defective items/required repairs noted on the appraisal dated XX/XX/XXXX and prepared subject to repairs. The provided curative document is not a Completion Certification or Form XXX completed by Appraiser addressing noted appraisal repairs. The provided curative is a FEMA external post disaster inspection by a real estate agent. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Primary Value Subject Property Appraisal is not on an As-Is XXXis The appraisal (pg.XX) was completed “Subject-To” however no Completion Certification or Form XXX was provided in the image file. Two appraisals were provided: pg.XX is the most recent appraisal dated XX/XX/XXXX and is subject to repairs listed on pg.XX with no completion cert provided. The other appraisal pg.XX is dated XX/XX/XXXX and has a higher "as is" value. The most recent appraisal was utilized as this appears to be the value used by the lender (the final XXXX reflects the $XXX,XXX value for the property). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Primary Value Subject Property Appraisal is on an As-Is XXXis - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received Form XXX dated XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405657 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 405658 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3713 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - curative not provided to address CA Per Diem. A Disaster Inspection was provided for another property/loan instead. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX).PLEASE NOTE: An additional $X buffer was included in the per diem interest charge or credit threshold displayed above XXXed on the client preferences configured on the per diem interest settings page. This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX.XX) exceeds the per diem interest charge or credit threshold ($XXX.XX). No CA Per Diem Disclosure was provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 405658 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3734 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID foreclosure rescission total of payments test. ( XX CFR §XXXX.XX(h)(X)(ii) )The total of payments is $XXX,XXX.XX. The disclosed total of payments charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 405658 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-651 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TILA finance charge test.( XX CFR §XXXX.XX(o)(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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 405658 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-2504 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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 $XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 405658 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3719 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 405658 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3721 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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 $XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 405658 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 405658 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 405658 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3732 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-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. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 439732 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MO | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| 439733 | XXXX | D | B | D | A | C | B | N/A | N/A | Closed | FCOM1221 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Incomplete | Resolved-XX/XX/XX - received complete executed DOT - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Missing page X of X of the subject DOT. Pages X-X and page X provided. Original Finding: "Missing page X of the Deed of Trust which is the signature page." - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Please provide page X of the Deed of Trust which is the signature page for the subject 2nd lien. The curative document provided was the DOT for the 1st lien in XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete Missing page X of the Deed of Trust which is the signature page. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received complete executed DOT - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||
| 439733 | XXXX | D | B | D | A | C | B | N/A | N/A | Closed | finding-3635 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-XX/XX/XX - received PCCD with $XX.XX cure - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with check to borrower for $XX.XX for XX% tolerance cure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - Curative not provided: received an SPL, Final CD, XXXX report and ComplianceEase report. The XXXX report did not test for fee tolerance and the ComplianceEase report testing the Recording Fee at $XXX rather than the actual charge of $XXX. The only XX% fee is the Recording Fee. Please provide either a valid written COC or evidence the borrower was reimbursed $XX.XX to cure the XX% tolerance variance with a PCCD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - the Recording Fee increased from $XXX to $XXX on the XXXeline LE to Final CD without a written COC. Missing evidence the borrower was reimbursed $XX.XX to cure the XX% tolerance variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The below deficiency is invalid or requires additional information. The attached Compliance Report does not reflect a failure nor does the XXXX provided by the Seller. The “Enterprise” warning reflected on the Seller’s XXXX report does not apply to the HELOC loan. - Seller-XX/XX/XXXX Open-This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX.XX(e)(X)(vi). Title Service Fees increased from $XXX to $XXX from the XXXeline LE to the Final CD without a written COC, missing evidence the borrower was reimbursed $XX.XX to cure the XX% tolerance variance. This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXX.XX(e)(X)(ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. The below deficiency is invalid or requires additional information. The attached Compliance Report does not reflect a failure nor does the XXXX provided by the Seller. The “Enterprise” warning reflected on the Seller’s XXXX report does not apply to the HELOC loan. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD with $XX.XX cure - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with check to borrower for $XX.XX for XX% tolerance cure. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||
| 439733 | XXXX | D | B | D | A | C | B | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with check to borrower for $XX.XX for XX% tolerance cure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with check to borrower for $XX.XX for XX% tolerance cure. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||
| 439733 | XXXX | D | B | D | A | C | B | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with check to borrower for $XX.XX for XX% tolerance cure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Please provide evidence that the tolerance cure (see additional finding) was reimbursed to the borrower, along with a copy of the check, PCCD and evidence of delivery. The provided curative document is a copy of the final CD which was reviewed at audit and does not address the tolerance violation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received PCCD issued XX/XX/XX with check to borrower for $XX.XX for XX% tolerance cure. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||
| 439733 | XXXX | D | B | D | A | C | B | N/A | N/A | Closed | finding-3551 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. ( XX CFR §XXXX.XX(f)(X)(v) )The post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | ||||||
| 439733 | XXXX | D | B | D | A | C | B | N/A | N/A | Closed | finding-3639 | XX/XX/XXXX | XX/XX/XXXX | Acknowledged | 2 - Non-Material | C | B | Compliance | TRID | Reimbursement Date Test | Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the reimbursement date test. (XX CFR §XXXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX.XX(e)(X)(i) or (ii), the creditor complies with §XXXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Remediation after TPR file review was within XX days of discovery - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | MD | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | ||||||
| 439731 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1206 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Note - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Note is Missing No executed Note was provided in the image file, loan terms were gleaned from the Final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received executed Note - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 439731 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1220 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received recorded mortgage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing No executed Deed of Trust was provided in the image file, loan terms cleaned from the Final CD. Only the mortgage for the 1st lien on the subject property is in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received recorded mortgage. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 439731 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM3075 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received US Patriot Act completed by the closing agent - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing US Patriot Act Disclosure - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Complete US Patriot Act Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XXXX - received US Patriot Act completed by the closing agent - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 439731 | XXXX | D | A | D | A | C | A | N/A | N/A | Closed | FCOM1638 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Missing the initial CD and evidence the borrower received the disclosure 3 days prior to consummation. Additional Findings XXX apply. | Resolved-XX/XX/XXXX - received initial CD issued and received XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing evidence the non-borrowing vested title holder, Canina Aquil, received the initial CD at least X business days prior to consummation. The initial CD in file (pg XXX) only provides evidence the borrower received the initial CD. Tracking report in file (pg XXX) shows the initial CD only went to the borrower and not the non-borrowing owner vested on title. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XXXX - received initial CD issued and received XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563785 | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1030 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Missing Federal Financial Privacy Disclosure | Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received FPD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Federal Financial Privacy Opt-Out Notice is Missing or Incomplete Federal Financial Privacy Opt-Out Notice is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Federal Financial Privacy Opt-Out Notice is not Missing, or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received FPD - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563785 | XXXX | B | A | B | A | A | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided, income and debt gleaned from the final AUS or other lender approval documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474289 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1208 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received complete DOT and Note docs with signatures - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Note is Incomplete Missing page X of the note with signatures. Only page X is in the imaged file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received complete DOT and Note docs with signatures - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474289 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1118 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Borrower X Signature matches Note - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received complete DOT and Note docs with signatures - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Signature does not match Note Missing signature pages for the note and deed of trust to confirm signatures match. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Signature matches Note - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received complete DOT and Note docs with signatures - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474289 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1119 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Deed of Trust Signature does not match Note | Resolved-Borrower X Signature matches Note - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received complete DOT and Note docs with signatures - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Signature does not match Note Missing signature pages for the note and deed of trust to confirm signatures match. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Signature matches Note - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received complete DOT and Note docs with signatures - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474289 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1221 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received complete DOT and Note docs with signatures - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete Missing the fully executed Deed of Trust. Only page XX & XX are in the imaged file and page XX is not executed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received complete DOT and Note docs with signatures - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474289 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM1233 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received borrower X final XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - Still missing executed Final XXXX for borrower X. Received duplicate final XXXX for borrower X, signed both borrowers. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final XXXX is Incomplete Missing final signed XXXX for the co-borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received borrower X final XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474289 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCRE1159 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received amended policy effective XX/XX/XXXX - XX/XX/XXXX for subject - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Good afternoon, hopefully this clears this. Thank you - Seller-XX/XX/XXXX Counter-XX/XX/XX - received the duplicate policy effective XX/XX/XXXX, which is after the Note date. Please provide the prior policy for the subject to reflect no gap in insurance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. I apologize for that. - Seller-XX/XX/XXXX Counter-XX/XX/XX - received a prior policy for the wrong property, XXXX Burnham Rd rather than subject XXXX Eagle Crest - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This one was prepared XX/XX/XXXX - Seller-XX/XX/XXXX Counter-XX/XX/XX - received declaration page for subject with effective date of XX/XX/XXXX, loan closed XX/XX/XXXX. Also received hazard policy for wrong borrower/property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Missing copy of the insurance policy in effect on the property at time of closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Good afternoon, hopefully this clears this. Thank you - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. I apologize for that. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. This one was prepared XX/XX/XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received amended policy effective XX/XX/XXXX - XX/XX/XXXX for subject - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474289 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | FCOM0018 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received borrower receipt of copy of valuation - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - no curative provided. Received a Disclosure Tracking Detail for the initial disclosures only. Still missing evidence the borrower received a copy of the appraisal. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - no curative for evidence of borrower receipt of appraisal was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received borrower receipt of copy of valuation - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 474289 | XXXX | D | A | D | A | D | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-XX/XX/XX - received borrower receipt of copy of valuation - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX/XX/XX - no curative provided. Still missing evidence the borrower received a copy of the appraisal - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Loan is a refinance, hazard policy in our file would be the renewal policy ( policy reflects SellerL as the mortgagee). Also, the borrower’s 1st mortgage is impounded. Please see attached mortgage statement in file for the 1st mortgage. - Seller-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained, however no disclosure was issued to the borrowers within three business days after receiving the consumers’ application stating that they are entitled to a free copy of any appraisal, Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Loan is a refinance, hazard policy in our file would be the renewal policy ( policy reflects SellerL as the mortgagee). Also, the borrower’s 1st mortgage is impounded. Please see attached mortgage statement in file for the 1st mortgage. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - received borrower receipt of copy of valuation - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 527554 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM1265 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for non-borrower - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed ROR for non-borrower - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 497334 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | FCOM0018 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Provide Proof of Receipt of Appraisal or Waiver. | Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received borrower receipt of appraisal - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Proof of Receipt of Appraisal __ Please provide Proof of Receipt of Appraisal - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Proof of Receipt of Appraisal Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received borrower receipt of appraisal - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 497334 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3352 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-XX/XX/XX - evidence of borrower receipt of appraisal provided - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.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 XXX prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. A written appraisal performed by a certified or licensed appraiser in conformity with the USPAP and Title XI of FIRREA was obtained, however Missing evidence a copy of appraisal was provided to the applicants no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XX/XX/XX - evidence of borrower receipt of appraisal provided - Due Diligence Vendor-XX/XX/XXXX |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||||
| 521709 | XXXX | D | A | D | A | A | A | N/A | N/A | Closed | FCOM1206 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed Note - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Note is Missing No executed Note was provided in the image file, loan terms were gleaned from the Mortgage and Final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received executed Note - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563779 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | FL | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| 563784 | XXXX | C | A | B | A | C | A | N/A | N/A | Closed | FCRE1620 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing evidence the borrower executed an E-sign Agreement prior to the issuance of any disclosures sent electronically. | Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received e-consent - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide executed E-Sign Agreement. Missing Execute E Sign Authorization - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-E-Sign Agreement Provided - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received e-consent - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||
| 563784 | XXXX | C | A | B | A | C | A | N/A | N/A | Closed | FCRE1182 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Approval/Underwriting Summary The Final XXXX was not provided, income and debt gleaned from other lender documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - received XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | ||||
| 588039 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3634 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XX/XX/XX - Received COC for loan amount increase and increase to corresponding fees. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received COC for loan amount increase and increase to corresponding fees. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is$XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Transfer taxes increased from $XXX to $XXX from the XXXeline LE to the Final CD without a written COC. Missing evidence the borrower was reimbursed$XXXX to cure the X% tolerance violation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Received COC for loan amount increase and increase to corresponding fees. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX/XX/XX - Received COC for loan amount increase and increase to corresponding fees. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 588039 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3631 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-XX/XX/XX - Received COC for loan amount increase and increase to corresponding fees. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-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. 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. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Received COC for loan amount increase and increase to corresponding fees. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 588039 | XXXX | C | A | A | A | C | A | N/A | N/A | Closed | finding-3632 | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-XX/XX/XX - Received COC for loan amount increase and increase to corresponding fees. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This loan failed the closing or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX/XX/XX - Received COC for loan amount increase and increase to corresponding fees. - Due Diligence Vendor-XX/XX/XXXX |
XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | ||||
| 643012 | XXXX | A | A | A | A | A | A | N/A | N/A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | $XXXX | AZ | Primary Residence | Refinance | Cash Out - Other |