Nomura Asset Depositor Company, LLC ABS-15G
Exhibit 99.11
| Loan Number | Alternate ID | Seller Loan ID | Originator | Last Name | Note Date | Original Balance | State | TPR QM ATR Status | Loan Status | Exception Date | Remediation Status | Exception ID | Exception Type | Exception Category | Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date | Compensating Factors | Initial Overall Loan Grade | Final Overall Loan Grade | Initial Exception Grade | Final Exception Grade | Initial Credit Grade | Final Credit Grade | Initial Property Valuation Grade | Final Property Valuation Grade | Initial Compliance Grade | Final Compliance Grade | Initial Overall Grade (DBRS) | Initial Credit Grade (DBRS) | Initial Property Valuation Grade (DBRS) | Initial Compliance Grade (DBRS) | Initial Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Initial Overall Grade (KBRA) | Initial Credit Grade (KBRA) | Initial Property Valuation Grade (KBRA) | Initial Compliance Grade (KBRA) | Initial Overall Grade (Moody's) | Initial Credit Grade (Moody's) | Initial Property Valuation Grade (Moody's) | Initial Compliance Grade (Moody's) | Initial Overall Grade (S&P) | Initial Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Overall Grade (DBRS) | Final Credit Grade (DBRS) | Final Property Valuation Grade (DBRS) | Final Compliance Grade (DBRS) | Final Overall Grade (Fitch) | Final Credit Grade (Fitch) | Final Property Valuation Grade (Fitch) | Final Compliance Grade (Fitch) | Final Overall Grade (KBRA) | Final Credit Grade (KBRA) | Final Property Valuation Grade (KBRA) | Final Compliance Grade (KBRA) | Final Overall Grade (Moody's) | Final Credit Grade (Moody's) | Final Property Valuation Grade (Moody's) | Final Compliance Grade (Moody's) | Final Overall Grade (S&P) | Final Credit Grade (S&P) | Final Property Valuation Grade (S&P) | Final Compliance Grade (S&P) |
| 300010121 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 09/07/2021 | Borrower 1 has significant job time - Borrower has XXX years on job; Borrower has stable job time - Borrower has XXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 300010121 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 09/07/2021 | Borrower 1 has significant job time - Borrower has XXX years on job; Borrower has stable job time - Borrower has XXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 300010109 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Cleared | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 08/02/2021 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | A | A | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 300010109 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Cleared | XXX | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Exception resolved | Third Party Valuation Product Provided | 10/21/2021 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | A | C | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 300010109 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Cleared | XXX | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Exception resolved; The loan file does not have a CU risk score. There is only the appraisal done on Form XXX There is a UCDP submission Summary, but a CU risk score is not found in the file. | Third Party Valuation Product Provided | 10/21/2021 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | A | D | A | A | A | D | A | A | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 300010123 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Active | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §1026.19(e)(3)(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 §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n 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 §1026.19(e)(1)(i) by more than XXX 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 §1026.19(e)(1)(vi). | 08/18/2021 | Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | C | C | C | A | A | D | A | C | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | |||
| 300010123 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Active | XXX | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XXX CFR §1026.19(f)(2)(v) mounts 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 efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 08/18/2021 | Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | C | C | C | A | A | D | A | C | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | |||
| 300010123 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Cleared | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 08/16/2021 | Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | C | A | A | A | A | D | A | C | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | |||
| 300010123 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Cleared | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 08/16/2021 | Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | C | A | A | A | A | D | A | C | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | |||
| 300010123 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Active | XXX | Compliance | TRID Initial Closing Disclosure Date and Funding Date Validation Test | This loan failed the TRID closing disclosure date and funding date validation test his loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. | 08/18/2021 | Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | C | C | C | A | A | D | A | C | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | |||
| 300010123 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Active | XXX | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test he 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. | 08/18/2021 | Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | C | C | C | A | A | D | A | C | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | |||
| 300010123 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Active | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 08/18/2021 | Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | C | C | C | A | A | D | A | C | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | |||
| 300010123 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Cleared | XXX | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Exception resolved | Third Party Valuation Product Provided | 09/19/2021 | Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | C | D | A | A | A | D | A | C | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | ||
| 300010123 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Cleared | XXX | Compliance | Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | Original PI Payment on Note matches Final CD From Hard Coded form in template: 'Closing Disclosure' at XXX/XXX/XXX; Original PI Payment on Note matches Final CD From Hard Coded form in template: 'Closing Disclosure' at XX/XX/XXXX | Original PI Payment on Note matches Final CD | 09/14/2021 | Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | C | C | A | A | A | D | A | C | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | D | A | D | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | ||
| 300010103 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Cleared | XXX | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. The borrowers provided an LOX regarding their primary residence (p XXX). They plan on selling their current primary and living rent free. However, there is no evidence the home has been sold, and Lender did not include the borrowers' current primary residence obligation in their DTI. Then Lender needs to provide evidence of sale or documents reflecting PITI and re-run DU with primary housing included.; Exception Resolved | Borrower liabilities verified indicator is XXX | 11/08/2021 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | A | D | A | D | A | D | A | D | A | D | C | D | C | D | D | D | D | D | C | D | C | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 300010103 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Cleared | XXX | Compliance | Escrow Waiver Disclosure is Missing | The escrow waiver disclosure is Missing | The escrow waiver disclosure is XXX | 10/05/2021 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | A | D | A | D | A | D | A | D | A | D | C | D | C | D | D | D | D | D | C | D | C | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 300010103 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Cleared | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The exception 'No Credit Findings' is cleared. | 09/28/2021 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | A | A | A | D | A | D | A | D | A | D | C | D | C | D | D | D | D | D | C | D | C | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 300010103 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/RP | Closed | XX/XX/XXXX | Cleared | XXX | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Exception resolved | Third Party Valuation Product Provided | 09/30/2021 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | A | D | A | D | A | D | A | D | A | D | C | D | C | D | D | D | D | D | C | D | C | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 300010141 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | XX/XX/XXXX | Cleared | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 08/09/2021 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years | D | A | A | A | A | A | D | A | A | A | C | A | C | A | D | A | D | A | C | A | C | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 300010141 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | XX/XX/XXXX | Cleared | XXX | Property | UCDP Summary Report is Missing | The SSR indicator is Missing.; XXX/XXX/XXX: Received in trailing docs. Exception cleared.; Need UCDP FNMA/FHLMC. | The SSR indicator is XXX | 09/04/2021 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years | D | A | D | A | A | A | D | A | A | A | C | A | C | A | D | A | D | A | C | A | C | A | D | A | D | A | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 300010111 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | XX/XX/XXXX | Cleared | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. ; The loan is in compliance with all applicable laws and regulations. | The exception 'No Compliance Findings' is cleared. | 11/08/2021 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| 300010111 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | XX/XX/XXXX | Cleared | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 11/10/2021 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| 300010135 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 300010135 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 300010117 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 300010117 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 300010129 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 300010129 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 300010113 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 300010113 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 300010143 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 300010143 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||||
| 300010127 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end [[(XXX CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end [[(XXX CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §XXX, or delivery of all material disclosures, whichever occurs last. | 11/16/2020 | D | D | C | C | A | A | D | D | C | C | C | A | C | C | D | A | D | C | C | A | C | C | D | A | D | C | D | A | D | C | C | A | C | C | D | A | D | C | C | A | C | C | D | A | D | C | D | A | D | C | ||||
| 300010127 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.[[(XXX CFR §1026.18(d)(1), transferred from##KQ## §226.18(d)(1) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX | 11/16/2020 | D | D | C | C | A | A | D | D | C | C | C | A | C | C | D | A | D | C | C | A | C | C | D | A | D | C | D | A | D | C | C | A | C | C | D | A | D | C | C | A | C | C | D | A | D | C | D | A | D | C | ||||
| 300010127 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Property | UCDP Summary Report is Missing | The SSR indicator is Missing; Summary Report was not received with the loan file | 11/16/2020 | D | D | D | D | A | A | D | D | C | C | C | A | C | C | D | A | D | C | C | A | C | C | D | A | D | C | D | A | D | C | C | A | C | C | D | A | D | C | C | A | C | C | D | A | D | C | D | A | D | C | ||||
| 300010127 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines.; The loan meets all applicable credit guidelines. | 11/16/2020 | D | D | A | A | A | A | D | D | C | C | C | A | C | C | D | A | D | C | C | A | C | C | D | A | D | C | D | A | D | C | C | A | C | C | D | A | D | C | C | A | C | C | D | A | D | C | D | A | D | C | ||||
| 300010145 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Property | UCDP Summary Report is Missing | The SSR indicator is Missing; The SSR indicator is Missing; The SSR indicator is Missing | 11/18/2020 | D | D | D | D | D | D | D | D | B | B | D | D | C | B | D | D | D | B | D | D | C | B | D | D | D | B | D | D | D | B | D | D | C | B | D | D | D | B | D | D | C | B | D | D | D | B | D | D | D | B | ||||
| 300010145 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Credit | Mortgage Insurance Certificate is Missing | The mortgage insurance certification is Missing; The mortgage insurance certification is Missing; The mortgage insurance certification is Missing | 11/18/2020 | D | D | D | D | D | D | D | D | B | B | D | D | C | B | D | D | D | B | D | D | C | B | D | D | D | B | D | D | D | B | D | D | C | B | D | D | D | B | D | D | C | B | D | D | D | B | D | D | D | B | ||||
| 300010145 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Compliance | Home loan Toolkit is Missing | The home loan toolket is Missing; The home loan toolket is Missing | 11/18/2020 | D | D | B | B | D | D | D | D | B | B | D | D | C | B | D | D | D | B | D | D | C | B | D | D | D | B | D | D | D | B | D | D | C | B | D | D | D | B | D | D | C | B | D | D | D | B | D | D | D | B | ||||
| 300010145 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Credit | Fraud Report Missing | Fraud report Missing.; Fraud report Missing.; Fraud report Missing. | 11/18/2020 | D | D | D | D | D | D | D | D | B | B | D | D | C | B | D | D | D | B | D | D | C | B | D | D | D | B | D | D | D | B | D | D | C | B | D | D | D | B | D | D | C | B | D | D | D | B | D | D | D | B | ||||
| 300010145 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX The lender did not verify the tax and insurance on the property which was pending sale and also did not include the tax and insurance in the debt ratio. Further, the XXX handbook which went into effect a month before the initial loan application States on page XXX that for student loans, regardless of payment status, the greater of XXX% of the outstanding balance n the loan or the monthly payment reported on the borrower's credit report must be used. The lender used the payment on the credit report instead of XXX% of the balances. The higher payment of XXX% was used in the recalulation as it was greater than what was showing on the credit report. | 11/18/2020 | D | D | C | C | D | D | D | D | B | B | D | D | C | B | D | D | D | B | D | D | C | B | D | D | D | B | D | D | D | B | D | D | C | B | D | D | D | B | D | D | C | B | D | D | D | B | D | D | D | B | ||||
| 300010119 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Compliance | TRID Post-Consummation Revised Closing Disclosure Data Validation Test | This loan failed the TRID post-consummation revised closing disclosure data validation test his loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure hese dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. | 11/17/2020 | C | C | C | C | A | A | A | A | C | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | ||||
| 300010119 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KQ## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 11/17/2020 | C | C | C | C | A | A | A | A | C | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | ||||
| 300010119 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | 11/18/2020 | C | C | A | A | A | A | A | A | C | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | ||||
| 300010119 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Compliance | TRID Post-Consummation Event Validation Test | This loan failed the TRID Post-Consummation Event Validation Test his 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. | 11/17/2020 | C | C | C | C | A | A | A | A | C | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | ||||
| 300010105 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Credit | Mortgage Insurance Certificate is Missing | The mortgage insurance certification is Missing | 11/18/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | D | D | D | D | D | D | C | C | C | C | C | C | D | D | D | C | C | C | C | C | D | D | D | C | D | D | D | C | C | C | C | C | D | D | D | C | C | C | C | C | D | D | D | C | D | D | D | C | |||
| 300010105 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Compliance | Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | Original PI Payment on Note matches Final CD From Hard Coded form in template: 'Closing Disclosure' at XXX/XXX/XXX, 'Closing Disclosure' at XXX/XXX/XXX, 'Closing Disclosure' at XXX/XXX/XXX; Note rate is XXX%; CD rate adjusts from XXX% to max XXX% | 11/17/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | C | C | D | D | D | D | C | C | C | C | C | C | D | D | D | C | C | C | C | C | D | D | D | C | D | D | D | C | C | C | C | C | D | D | D | C | C | C | C | C | D | D | D | C | D | D | D | C | |||
| 300010105 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Compliance | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. [[(XXX CFR §1026.19(f)(2)(v) he 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 XXX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XXX calendar days after the consummation date, or closing / settlement date if no consummation date was provided efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 11/17/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | C | C | D | D | D | D | C | C | C | C | C | C | D | D | D | C | C | C | C | C | D | D | D | C | D | D | D | C | C | C | C | C | D | D | D | C | C | C | C | C | D | D | D | C | D | D | D | C | |||
| 300010105 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Compliance | Reimbursement Date Test | This loan failed the reimbursement date test. (XXX CFR §1026.19(f)(2)(v) he reimbursement date is more than XXX calendar days after the consummation date, or closing / settlement date if no consummation date was provided efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation. | 11/17/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | C | C | D | D | D | D | C | C | C | C | C | C | D | D | D | C | C | C | C | C | D | D | D | C | D | D | D | C | C | C | C | C | D | D | D | C | C | C | C | C | D | D | D | C | D | D | D | C | |||
| 300010105 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KQ## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 11/17/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | C | C | D | D | D | D | C | C | C | C | C | C | D | D | D | C | C | C | C | C | D | D | D | C | D | D | D | C | C | C | C | C | D | D | D | C | C | C | C | C | D | D | D | C | D | D | D | C | |||
| 300010105 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Property | UCDP Summary Report is Missing | The SSR indicator is Missing; Summary Report was not received with the loan file | 11/18/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | D | D | D | D | D | D | C | C | C | C | C | C | D | D | D | C | C | C | C | C | D | D | D | C | D | D | D | C | C | C | C | C | D | D | D | C | C | C | C | C | D | D | D | C | D | D | D | C | |||
| 300010139 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Credit | Title Policty is Partial | Title policy is Partial. Schedule B is missing. | 11/21/2020 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years | C | C | C | C | C | C | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||
| 300010139 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval | 11/21/2020 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years | C | C | C | C | C | C | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||
| 300010139 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 11/21/2020 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years | C | C | A | A | C | C | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||
| 300010107 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Property | UCDP Summary Report is Missing | The SSR indicator is Missing | 11/21/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | D | D | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | |||
| 300010107 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned documents consent is Missing. | 11/21/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | D | D | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | |||
| 300010107 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Credit | Borrower Transcripts are missing | The borrower transcripts is Missing | 11/21/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | C | C | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | |||
| 300010107 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Credit | FICO is less than the AUS Minimum Required | The FICO of XXX is less than the minimum required per AUS of XXX | 11/21/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | C | C | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | |||
| 300010107 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Credit | Fraud Report Missing | Fraud report Missing. | 11/21/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | D | D | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | |||
| 300010107 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Credit | Insufficient cash to close. | Cash to close in the amount of XXX is greater than the available asset amount of XXX. | 11/21/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | C | C | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | |||
| 300010107 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% | Third Party Valuation Product Provided | 11/22/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | C | C | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | ||
| 300010107 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Credit | Signed 4506t is missing | Borrower 1 missing signed 4506t | 11/21/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | C | C | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | |||
| 300010107 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Credit | Borrower 2 is missing signed 4506t. | Borrower 2 is missing signed 4506t | 11/21/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | C | C | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | |||
| 300010107 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Compliance | Missing Taxpayer First Act Disclosure | Missing Taxpayer First Act Disclosure. | 11/21/2020 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years | D | D | C | C | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | D | D | C | C | D | D | D | D | D | D | C | C | D | D | D | D | D | D | D | D | |||
| 300010133 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Credit | Intent to Proceed is not Executed | Intent to Proceed Execution is No | 11/23/2020 | Borrower 1 has significant job time - Borrower has XXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years | B | B | B | B | B | B | A | A | B | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 300010133 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Compliance | Mortgage not recorded | No evidence Mortgage is recorded or sent for recording. | 11/23/2020 | Borrower 1 has significant job time - Borrower has XXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years | B | B | B | B | B | B | A | A | B | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| 300010131 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Credit | Initial Loan Application is Missing | Missing Copy of Initial Loan Application | 11/21/2020 | Borrower 1 has significant job time - Borrower has XXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | D | D | D | D | D | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | |||
| 300010131 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Active | XXX | Credit | Intent to Proceed is not Executed | Intent to Proceed Execution is No | 11/21/2020 | Borrower 1 has significant job time - Borrower has XXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | D | B | B | D | D | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | |||
| 300010131 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 11/21/2020 | Borrower 1 has significant job time - Borrower has XXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XXX years at job.; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | D | A | A | D | D | A | A | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | C | C | A | A | D | D | A | A | C | C | A | A | D | D | A | A | D | D | A | A | |||
| 300010115 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 300010115 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 300010137 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | XX/XX/XXXX | Active | XXX | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | 11/23/2020 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years | C | C | C | C | C | C | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||
| 300010137 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | XX/XX/XXXX | Cleared | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | 11/23/2020 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Borrower has stable job time - Borrower has XX/XX/XXXX years at job.; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years | C | C | A | A | C | C | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | |||
| 300010125 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 300010125 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | XX/XX/XXXX | Cleared | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 300010101 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||||
| 300010101 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | XX/XX/XXXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX/XX/XXXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |