Nomura Asset Depositor Company, LLC ABS-15G
Exhibit 99.2
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| Grade Summary | ||||
| Fitch Loan Grades | ||||
| Final Loan Grade | Credit | Compliance | Property | Overall |
| A | 202 | 204 | 426 | 176 |
| B | 28 | 1,089 | 1 | 1,001 |
| C | 200 | 79 | 19 | 212 |
| D | 34 | 175 | 18 | 225 |
| Total | 464 | 1,547 | 464 | 1,614 |
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| Loan Level Exception - Final Grades | |||||||||||||||||||||||||||||||
| Credit | Compliance | Property | Overall | ||||||||||||||||||||||||||||
| AMC Loan ID | Customer Loan ID | Seller Loan ID | Borrower Name | Edgar Loan ID | Original Loan Amount | State | Note Date | Occupancy | Purpose | QM Status | Overall Grade | Credit Grade | Credit Exceptions | Credit Exception Information | Credit Exception Comments | Property Grade | Property Exceptions | Property Exception Information | Property Exception Comments | Compliance Grade | Compliance Exceptions | Compliance Exception Information | Compliance Exception Comments | Compliance Comp Factors | Compensating Factors | Subject to High Cost - Unable to Test | Disposition 2 | Fitch | Fitch | Fitch | Fitch |
| XXXX | XXXX | XXXX | XXXX XXXX | 000016 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] State Compliance - XXXX Mortgage Lender and Broker Regulation (Ability to Repay not Verified): XXXX Mortgage Lender and Broker Regulation: Ability to repay not verified with reliable documentation. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Escrow Account Statement Missing: RESPA (2010): Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [1] Federal Compliance - Federal FACTA Disclosure: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |
State Compliance - XXXX Mortgage Lender and Broker Regulation (Ability to Repay not Verified): No Assignee Liability. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Federal FACTA Disclosure: There is no Assignee Liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000017 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |
Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000018 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000019 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - (Missing Data) Application Date: No evidence of application date located in file. Compliance tests were run using an application date ofXX/XX/XXXX which is 30 days prior to the note date. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000001 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000020 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000021 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. [2] Miscellaneous Compliance - Initial TIL not provided [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000023 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000024 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine cause of under disclosure due to missing Itemization of amount financed. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000025 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |
Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000068 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date ofXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing wasXX/XX/XXXX. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000026 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 3 | 3 | [3] Federal Compliance - (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information): Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | State - NC | C | C | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000027 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] State Compliance - Note Error: Note late charge percentage exceeds maximum per state [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |
State Compliance - Note Error: Note late charge percentage exceeds maximum per state: Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5%. | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000031 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): XXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to Closing fee showing $XXX,XXX.XX on FHUD, while reflecting $XXX.XX on TIL itemization of prepaid finance charges. | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000032 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000002 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000034 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | 2 | [2] State Compliance - XXXX First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |
State Compliance - XXXX First Lien Late Charge Percent Testing: 5% late charge exceeds 4% maximum per state (NJ). | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000035 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000036 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] State Compliance - North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |
Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000037 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000038 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000039 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization includes a Lender inspection fee of $XXX.XX and Escrow fee of $XXX.XXin the prepaid amount financed when the Escrow Fee was $XXX.XX and did not include a courier fee of $XXX,XXX.XXAdditional under disclosure is in the payment calculation and appears to be related to the PMI. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000040 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000041 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000042 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000043 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | UTD UTD | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | Final 1003 not provided | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.: Appraisal not provided Miscellaneous Compliance - (Doc Error) Initial GFE not provided: GFE not provided |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000044 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000045 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000046 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000047 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000048 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000049 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000051 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000052 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000003 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [3] Government Documentation - FHA - Amendatory Clause is not compliant.: Disclosure: FHA - Amendatory Clause (Government Documents) [3] Government Documentation - FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided |
1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000053 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000030 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000055 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Government Documentation - Missing Document: USDA Guaranteed Loan Closing Report not provided [3] Guideline Issue - USDA Coverage % is missing. |
2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000056 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000057 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000005 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] State Compliance - (State Covered Loan Provision) XXXX Covered Loan (Time to Recoup Points and Fees Greater than 4 Years on Refi Resulting in Lower Rate as only TNB): XXXX Covered Loan: Points and fees will not be recouped in at least four years on a loan with reduced interest rate as the only tangible net benefit. [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] State Compliance - (State Covered Loan) XXXX Covered Loan (Points and Fees): XXXX Covered Loan: Points and fees on subject loan of 4.37673 is in excess of the allowable maximum of 4% of the Total Loan Amount. Points and fees of $XXX,XXX.XX on a Total Loan Amount of $XXX,XXX.XX vs an allowable total of $XXX,XXX.XX. Non-Compliant Covered Loan. |
State Compliance - (State Covered Loan Provision) XXXX Covered Loan (Time to Recoup Points and Fees Greater than 4 Years on Refi Resulting in Lower Rate as only TNB): Assignee Liability: Assignees and purchasers of XXXX high cost home loans are subject to all affirmative claims and any defenses with respect to the loan that the borrower could assert against the original creditor of the loan. Section 6(c) of the Act also provides that a borrower acting only in an individual capacity may assert against the creditor or any subsequent holder or assignee: (1) Within six years of the closing of covered home loan, a violation of the Act as an original action or as a defense, claim, or counterclaim; and (2) At any time during the term of a high cost home loan a defense, claim or counterclaim. The aforementioned may both be brought after an action to collect on the home loan or foreclose on the collateral securing the home loan has been initiated, the debt arising from the home loan has been accelerated, or the home loan has become 60 days in default. Further, the Act contains a choice of law provision permitting actions under either the XXXX Consumer Fraud Act ("NJCFA"), which possibly allow for class actions, or the Act. The July 6, 2004 amendments clarify that a defense, claim, or counterclaim may only be brought in an individual capacity and may not be asserted in a class action. Additionally, the statute provides for punitive damages. Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA State Compliance - (State Covered Loan) XXXX Covered Loan (Points and Fees): Assignee Liability: Assignees and purchasers of XXXX high cost home loans are subject to all affirmative claims and any defenses with respect to the loan that the borrower could assert against the original creditor of the loan. Section 6(c) of the Act also provides that a borrower acting only in an individual capacity may assert against the creditor or any subsequent holder or assignee: (1) Within six years of the closing of covered home loan, a violation of the Act as an original action or as a defense, claim, or counterclaim; and (2) At any time during the term of a high cost home loan a defense, claim or counterclaim. The aforementioned may both be brought after an action to collect on the home loan or foreclose on the collateral securing the home loan has been initiated, the debt arising from the home loan has been accelerated, or the home loan has become 60 days in default. Further, the Act contains a choice of law provision permitting actions under either the XXXX Consumer Fraud Act ("NJCFA"), which possibly allow for class actions, or the Act. The July 6, 2004 amendments clarify that a defense, claim, or counterclaim may only be brought in an individual capacity and may not be asserted in a class action. Additionally, the statute provides for punitive damages. |
State - NC | C | C | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000060 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000065 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000066 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The itemization of amount financed did not disclose the closing fee of $XXX.XX as a prepaid finance charge. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000069 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000063 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000062 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000064 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000074 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
BUYER - GENERAL COMMENT (2019-06-24): Waived REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2019-06-26): Client requested to close exception BUYER - GENERAL COMMENT (2019-06-24): Waived REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2019-06-26): Client requested to close exception BUYER - GENERAL COMMENT (2019-06-24): Waived REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2019-06-26): Client requested to close exception BUYER - GENERAL COMMENT (2019-06-24): Waived REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2019-06-26): Client requested to close exception |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000070 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Debt Consolidation | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000067 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Assignee Liability: For a transaction involving a security interest in land, any action that may be brought against the original creditor may be maintained against any subsequent assignee where the assignee, its subsidiaries, or affiliates were in a continuing business relationship with the original creditor either at the time the credit was extended or at the time of the assignment unless the assignment was involuntary or the assignee shows by a preponderance of evidence that it did not have reasonable grounds to believe that the original creditor was engaged in violations of the code and that it maintained procedures reasonably adapted to apprise it of the existence of the violations. Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000058 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Late Charge Grace Period Testing: Note grace period less than minimum per state. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |
State Compliance - XXXX Late Charge Grace Period Testing: Late charge not allowed per state (MD) - no late fee may be assessed before 15 days from the due date - note states 10 days. | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000078 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Credit Documentation - Missing Document: Credit Report not provided [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000076 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000075 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000073 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine cause of under disclosure due to missing itemization of amount financed. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000092 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of X.XX% is underdisclosed from calculated APR of X.XX% outside of X.XX% tolerance. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: It appears the lender used a lower index than the X.XX% available within the look-back period. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000077 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000061 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000080 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000079 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000082 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000083 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Miscellaneous Compliance - Initial TIL not provided [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Application / Processing - Missing Document: Missing Lender's Initial 1003: Client approved use of alternative document for the initial application date. | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000081 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
REVIEWER - GENERAL COMMENT (2018-08-20): Received the same original image file, no new docs received. No changes made. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000084 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000085 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000086 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - (Fed HPML) Federal Higher-Priced Mortgage Loan (Stated APR Exceeds HPML Threshold): Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of APOR X.XX% + 1.5%, or X.XX%. Compliant Higher Priced Loan. [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing [2] Federal Compliance - (Missing Data) Last Rate Set Date : Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: RESPA (2010): Interest Rate on Final HUD-1 does not match Note. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: RESPA (2010): Loan Amount on Final HUD-1 does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Escrow Account Statement Missing: RESPA (2010): Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. [2] Federal Compliance - 2011 TIL-MDIA - Interest Rate Inaccurate: Truth in Lending Act (MDIA 2011): Interest rate on the Final TIL does not match interest rate for the loan. [2] State Compliance - Vermont Interest Act - Vermont High Rate, High Point Loan (Interest Rate and/or Points and Fees): Vermont Interest Act: Note Rate on subject loan of X.XX% is in excess of allowable threshold of Declared Rate X.XX% + 3%, or 7.80000, or Points on the loan ofX.XX% exceed the allowable threshold of 4%. Compliant Loan. |
Federal Compliance - (Fed HPML) Federal Higher-Priced Mortgage Loan (Stated APR Exceeds HPML Threshold): TILA HPML - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Liability appears to be limited to originators/licensees. Federal Compliance - 2011 TIL-MDIA - Interest Rate Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. State Compliance - Vermont Interest Act - Vermont High Rate, High Point Loan (Interest Rate and/or Points and Fees): Neither Section 104 nor the Regulation provide specifically for assignee liability; however, given that Section 104 grants the Department authority to require any “lender”, which term is undefined, to refund any discount points or other charges paid by a borrower who has not received the required disclosures, purchasers and assignees should exercise caution in purchasing such loans. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000093 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000091 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - 2011 TIL-MDIA ARM Introductory Rate Disclosure - Introductory Period Inaccurate: Truth in Lending Act (MDIA 2011): Adjustable rate introductory period on Final TIL does not match introductory period for the loan. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - 2011 TIL-MDIA ARM Introductory Rate Disclosure - Introductory Period Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000099 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | HUD Safe Harbor QM | 3 | 3 | [3] Miscellaneous - Credit Exception: [3] Application / Processing - Missing Document: General Services Administration (GSA) not provided [3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided |
Defect -Borrower is in XXXX Business and this line of business is not permitted on Government Loans. | 3 | [3] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required. | 1 | - | C | A | C | C | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000101 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000103 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |
BUYER - GENERAL COMMENT (2020-08-18): agree with findings BUYER - GENERAL COMMENT (2020-08-18): agree with findings BUYER - GENERAL COMMENT (2020-08-18): agree with findings BUYER - GENERAL COMMENT (2020-08-18): agree with findings BUYER - GENERAL COMMENT (2020-08-18): agree with findings |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
Yes | TR HUD Deficiency | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000105 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | 1 | 1 | 1 | - | A | A | A | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000106 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | 1 | 1 | 1 | - | A | A | A | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000104 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] State Compliance - North Carolina Rate Spread Threshold Test Compliant: North Carolina Rate Spread Home Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of US Treasury X.XX% + 3%, or X.XX% and Conventional Mortgage Rate X.XX% + X.XX%, or X.XX%. Compliant Rate Spread Home Loan. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
State Compliance - North Carolina Rate Spread Threshold Test Compliant: There is no Assignee Liability. However, note that a loan that violates the provisions on rate spread home loans will be declared usurious. Thus, the terms of loans held by an assignee could be affected in certain circumstances Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000087 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000107 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000108 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000109 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Application / Processing - Missing Valuation: | Appraisal not provided | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of prepaid finance charges. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000110 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Under-disclosure due to lender utilizing an index value of X.XX% per approval, however the lowest index value available in the lookback period is X.XX% | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000102 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000111 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000117 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 1 | [1] Application / Processing - Missing Document: Missing Final 1003 | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000121 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): XXXX Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: XXXX Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List): XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000122 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization underdisclosure due to $XXX.XX document prep fee itemized as prepaid but nit disclosed on HUD. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000119 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM | 3 | 3 | [3] Guideline Issue - Employment was not verified within 10 days of the note date.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX [3] Income Documentation - Income Docs Missing:: Borrower: XXXX VVOE - Employment Only [3] Application / Processing - Missing Document: Fraud Report not provided |
Missing VOE within 10 days of the note date. Missing VOE within 10 days of close. |
3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | Missing secondary valuation. | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7200) |
Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final CD disclosed a Finance Charge of $XXX,XXX.XX, however, calculated Finance Charge is $XXX,XXX.XX, resulting in a variance of $XXX,XXX.XX. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Disclosed as $XXX.XX00 on the initial LE without a valid COC for the increase. |
Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | D | D | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000116 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000118 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000114 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] General - Missing Document: Stated not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000129 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: HIGH WINDS, SEVERE STORMS AND FLOODING Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX |
Need a post disaster property inspection report showing no damage to the property. | 3 | [3] Appraisal Documentation - Loan is to go into a securitization, and full appraisal was not provided. | Need two property valuation products for this loan going into a securitization. | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Notary Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7542) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No valid COC for Notary fee, | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | C | B | C | C | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000123 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | 1 | [3] General - Initial Rate Lock rate date is not documented in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000126 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000125 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Construction-Permanent | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000127 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000124 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000130 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |
Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000128 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000246 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 1 | [1] Application / Processing - Missing Document: Missing Final 1003 | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000131 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX,XXX.XX is less than Cash From Borrower $XXX,XXX.XX. | Documented usable assets were insufficient to meet cash to close. $XXX.XXk assets were used for reserves only. | 3 | [3] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required. | Two appraisals will be needed for Securitization and were not provided | 2 | [2] State Compliance - XXXX Late Charge Percent Testing: Note late charge exceeds maximum per state. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |
State Compliance - XXXX Late Charge Percent Testing: NY State max late charge percentage is 2%. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: Available through date blank onXX/XX/XXXXFE. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Evidence of earlier receipt missing from file. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Evidence of earlier receipt missing from file. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Evidence of earlier receipt missing from file. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Evidence of earlier receipt missing from file. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Evidence of earlier receipt missing from file. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Evidence of earlier receipt missing from file. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | C | C | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000132 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | File does not contain Preliminary or Final Title for subject property | 2 | [2] Federal Compliance - Disparity in Occupancy - Not High Cost: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment) | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000289 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000282 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000270 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] State Compliance - Tennessee Prepayment Penalty Test: Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000257 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 1 | 1 | [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000287 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000285 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Construction-Permanent | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000278 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000281 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] State Compliance - XXXX Late Charge Percent Testing: Note late charge exceeds maximum per state. |
State Compliance - XXXX Late Charge Percent Testing: 5% late charge exceeds 2% maximum per state (NY). | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000283 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 1 | [1] Application / Processing - Missing Document: Flood Certificate not provided | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000277 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
No | TNR Testing Not Required | D | D | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000261 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000272 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
State Compliance - XXXX Prepayment Penalty: PPP expired. PPP of 3 years confirms CA limit of 6 months interest on the amount prepaid in excess of 20% of the original amount. XXXX XXXX, Inc. | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000266 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000288 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] State Compliance - Wisconsin Prepayment Penalty: Wisconsin Prepayment Penalty: First lien loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000262 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to the Lender utilizing X.XX% index value per the approval, however the closest index value available in the look-back period is X.XX%. | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000280 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of the greater of X.XX% of the Original Loan Amount and $XXX.XX (2007). FNMA Finance Charge total $XXX,XXX.XX on a Original Loan Amount of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX and $XXX.XX (2007) (an overage of $XXX,XXX.XX or X.XX%). | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000271 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000275 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000259 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Final Hud reflects admin fee to lender in the amount of $XXX,XXX.XXtemization reflects $XXX,XXX.XXud reflects per diem interest in the amount of $XXX,XXX.XX. Itemization reflects $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000276 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |
Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000284 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than X.XX%: Truth In Lending Act: Final TIL APR of X.XX% is underdisclosed from calculated APR of X.XX% outside of X.XX% tolerance. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than X.XX%: Unable to determine under disclosure due to missing itemization of amount financed. Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |
Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than X.XX%: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000264 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000248 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000290 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] State Compliance - XXXX Alternate Prepayment Penalty SMLA Testing: XXXX Prepayment Penalty: Loan prepay term of 36 months exceeds state maximum of 24 months. (applies only to Second Mortgage Loan Act registrants) [2] State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): XXXX Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. [2] State Compliance - XXXX Consumer Sales Practices Act (Closing Disclosure Not Provided): XXXX Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |
State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. State Compliance - XXXX Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000291 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000260 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000263 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000286 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Loan File - (Missing Doc) Incomplete loan images/file [3] Closing / Title - Missing Document: Note - Subject Lien not provided [3] Closing / Title - Missing Final HUD-1 [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Closing / Title - TILA - Final TIL Missing [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Loan File - (Missing Doc) Incomplete loan images/file: File only contains Mortgage. Insufficient documents to complete compliance. | Closing / Title - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | UTD | Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000247 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [1] Application / Processing - Missing Document: Missing Final 1003 | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000249 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000230 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |
Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000229 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |
Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000226 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |
Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000228 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): XXXX Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. |
Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000225 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) With Cure: RESPA (2010): 0% tolerance violation for 801 fee with evidence of cure provided on Final HUD-1 [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) With Cure: RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1 |
Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000224 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX | 2 | [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. | Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000227 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Credit Documentation - Missing Document: Credit Report not provided |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] State Compliance - XXXX Mortgage Lender and Broker Regulation (Ability to Repay not Verified): XXXX Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable [2] State Compliance - XXXX MLBR (Missing Data) Document Type Not Provided: XXXX Mortgage Lender and Broker Regulations: Unable to determine if the borrower was required to provide a signed statement disclosing their income due to missing document type. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000222 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed | Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000221 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> [3] General - Missing Document: Stated not provided |
2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000220 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000219 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX [3] General - Missing Document: Stated not provided |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000218 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or XXXX ) [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |
Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000217 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or XXXX ) [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000214 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> | 2 | [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |
Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000213 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000212 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] State Compliance - North Carolina First Lien Late Charge Percent Testing: North Carolina Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 4%. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |
Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000211 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000209 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000208 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000207 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000206 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000204 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |
Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
Yes | TR HUD Deficiency | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000203 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000202 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 2 | [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Lender's Final TIL shows MI in force for 108 months, Based on the loan amount and appraisal value MI would be in effect for 123 months. | Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000200 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Incorrect HUD-1 Form Used: RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |
Federal Compliance - RESPA - Incorrect HUD-1 Form Used: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000199 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX | 2 | [2] State Compliance - Colorado MLO Licensing Act - NMLS ID not on 1003: Colorado Mortgage Loan Originator Licensing Act: Loan originator NMLS identifier is not clearly displayed on loan application. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |
State Compliance - Colorado MLO Licensing Act - NMLS ID not on 1003: Assignee Liability: For a transaction involving a security interest in land, any action that may be brought against the original creditor may be maintained against any subsequent assignee where the assignee, its subsidiaries, or affiliates were in a continuing business relationship with the original creditor either at the time the credit was extended or at the time of the assignment unless the assignment was involuntary or the assignee shows by a preponderance of evidence that it did not have reasonable grounds to believe that the original creditor was engaged in violations of the code and that it maintained procedures reasonably adapted to apprise it of the existence of the violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000198 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000197 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000196 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 1 | [1] Application / Processing - Missing Document: Missing Final 1003 | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000195 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000194 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000193 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000191 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000190 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the cause of the under disclosure due to missing the Itemization of Amount Financed | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000189 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000186 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000188 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000187 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000239 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. [2] State Compliance - XXXX Prepayment Penalty Test: XXXX Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
Yes | TR HUD Deficiency | D | D | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000183 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose a Release Tracking Fee of $XXX.XXand a Courier Fee of $XXX.XXas prepaid finance charges. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000180 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000181 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000178 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000177 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [2] Application / Processing - Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000174 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000237 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000175 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000176 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000238 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000172 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000235 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000236 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000171 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000170 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization in file does not reflect all fees | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000168 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The Lender's TIL does not include the MI premium. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000167 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |
Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000166 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine fee portion of under disclosure due to missing Itemization of Amount Financed. Payment stream portion is due to lender's TIL reflecting MI would be in force for 132 months; however, based on loan amount and appraised value, the MI would be in force for 144 months. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000165 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000164 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000163 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000162 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | UTD UTD | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000161 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000158 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000160 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000159 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000233 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or XXXX ) | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000157 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or XXXX ) [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose $XXX,XXX.XX Settlement Fee or $XXX,XXX.XX Courier Fee as Prepaid Finance Charges. There is also a Lender Credit of $XXX,XXX.XX to Borrower on line 204 of the HUD which is not itemized and thus not applied. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000156 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000155 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000154 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000153 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000152 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000151 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000150 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000149 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000232 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000148 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000147 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000146 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000145 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender not including the $XXX.XX Attorney's Fee, $XXX.XXEscrow Service Fee, and $XXX.XX Title Pick-up fee in the prepaid finance charge | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000144 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000142 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | 1 | [1] Application / Processing - Missing Document: Missing Final 1003 | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000141 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000139 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000223 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000216 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000215 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000210 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000205 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. [2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000201 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000185 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: The Lender's TIL reflects MI dropping off after 79 months, however, the audited TIL indicates MI should drop off after 120 months. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000184 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000240 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000182 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] State Compliance - XXXX Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization of Amount Financed disclosed a Settlement fee as $XXX.XX and Final HUD disclosed this fee as $XXX.XX. | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000179 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Fees are under disclosed $XXX,XXX.XX and fees match the HUD. The following fees are not listed on the Itemization, but appear on the HUD as PPFCs charged to the borrower: Application Fee $XXX,XXX.XX, Email/Edoc Fee $XXX,XXX.XX, Title Courier/Messenger Fee $XXX,XXX.XX, and Wire/Funding/Disbursement Fee $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000173 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000169 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000234 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000192 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Fees are under disclosed $XXX,XXX.XX and fees match the HUD. The following fees are not listed on the Itemization, but appear on the HUD as PPFCs charged to the borrower: Loan Discount Fee $XXX,XXX.XX, Release Tracking Fee $XXX,XXX.XX, and Title Courier/Messenger Fee $XXX,XXX.XX. In addition, the following fees differ on the Itemization from what was charged on the HUD: Prepaid Interest: $XXX,XXX.XX was charged, Itemization reflects $XXX,XXX.XX, and Settlement/Closing Escrow: $XXX,XXX.XX was charged, Itemization reflects $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000143 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000140 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000071 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000244 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] General - Valuation address does not match Note address.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Subject address is XXXX. Appraisal reflects XXXX. Lender to provide corrected appraisal reflecting subject address. | 1 | 1 | - | C | A | A | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000243 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Application / Processing - Missing Document: Fraud Report not provided | 1 | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7520) |
Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Fee was increased from the LE to the CD without a valid change of circumstances. A cure of $XXX,XXX.XX was issued, but is an insufficient cure amount. | REVIEWER - CURED COMMENT (2021-04-20): Sufficient Cure Provided At Closing | - | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000242 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX,XXX.XX is less than amount of binding Lender Credit previously disclosed in the amount of $XXX.XX.00. (9300) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) |
Federal Compliance - TRID Lender Credit Tolerance Violation: No valid change of circumstance provided for Lender credit Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No valid change of circumstance provided for increase in fee by $XXX.XX |
Federal Compliance - TRID Lender Credit Tolerance Violation: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000241 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX,XXX.XX is less than Cash From Borrower $XXX,XXX.XX. [3] Income Documentation - Income Docs Missing:: Borrower: XXXX P&L Statement [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (8304) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7726) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7200) |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Transfer Tax Fee was last disclosed as $XXX,XXX.XX on LE but disclosed as $XXX,XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX.XX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Endorsement Fee was last disclosed as $XXX,XXX.XX on LE but disclosed as $XXX,XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX,XXX.XX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points Fee was last disclosed as $XXX,XXX.XX on LE but disclosed as $XXX,XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX,XXX.XX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000231 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 1 | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |
Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Co-borrower did not sign. | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000135 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [3] Application / Processing - Missing Valuation: | Appraisal not provided | 1 | - | A | A | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000137 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than X.XX%: Truth In Lending Act: Final TIL APR of X.XX% is underdisclosed from calculated APR of X.XX% outside of X.XX% tolerance. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than X.XX%: TIL Itemization only disclosed origination charges in the amount of $XXX,XXX.XX, however, final HUD reflects $XXX,XXX.XX. Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization only disclosed origination charges in the amount of $XXX,XXX.XX, however, final HUD reflects $XXX,XXX.XX. |
Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than X.XX%: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000138 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000136 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: RESPA (2010): Loan Amount on Final HUD-1 does not match Note. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: Loan amount on page 3 of the HUD has 2 digits reversed. | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000334 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000335 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Fail | 3 | 1 | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. [3] Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Ability to Repay (Dodd-Frank 2014): Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. (XXXX/Wages) [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXXX /9407766) [3] Federal Compliance - Wages Documentation: Qualified Mortgage (Dodd-Frank 2014): Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. (XXXX/Wages) [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (0) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7200) |
Federal Compliance - Check Loan Designation Match - QM: Borrower did not start current job until July 1, 2016, after loan closed. Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Income verification documentation is missing and the loan is water falling to ATR/QM standard documentation requirements. Federal Compliance - QM Employment History: Income verification documentation is missing and the loan is water falling to ATR/QM standard documentation requirements. Federal Compliance - Wages Documentation: Income verification documentation is missing. Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Income verification documentation is missing and the loan is water falling to ATR/QM standard documentation requirements. Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 of $XXX,XXX.XX that does not match the actual Finance Charge for the loan of $XXX,XXX.XX. |
REVIEWER - CURED COMMENT (2021-11-05): Sufficient Cure Provided At Closing REVIEWER - CURED COMMENT (2021-11-05): Sufficient Cure Provided At Closing |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | A | C | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000336 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [1] Application / Processing - Missing Document: Flood Certificate not provided |
2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000337 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 1 | [3] Appraisal Documentation - Missing Document: Appraisal not provided | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000339 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Limited Cash-out GSE | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Application / Processing - Missing Document: Fraud Report not provided [3] Credit Documentation - No evidence of fraud report in file: Credit Report: Original // Borrower: XXXX |
1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7563) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7520) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7200) |
Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: No VCC or cure provided. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No VCC or cure provided. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No VCC or cure provided. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No VCC or cure provided. |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $XXX.XX. Borrower's monthly mortgage payment has decreased by at least 20%. The refinance has decreased the borrower's monthly debt payments by 20% or more. |
- | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000112 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000341 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing updated itemization of amount Financed. | Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000340 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000343 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender’s TIL reflecting MI being in force for 120 months, however based on the loan amount and appraised value the MI would be in force for 166 months. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000344 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |
No | TNR Testing Not Required | D | D | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000359 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or initialed by borrower so cannot confirm that borrower received. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000357 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000358 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000307 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | ATR Fail | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds Guideline total debt ratio of X.XX%. [3] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of is less than Guideline representative FICO score of 700. [3] Income Documentation - Income Docs Missing:: Borrower: XXXX 1040 (2015), 1040 (2016), 4506-T (2016), 4506-T (2017), Transcripts (1040) (2015), Transcripts (1040) (2016) [3] General - Missing Document: Account Statements - Personal not provided [3] Application / Processing - Missing Document: Approval not provided [3] Credit Documentation - Missing Document: Credit Report not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Credit Documentation - No evidence of fraud report in file: Credit Report: Original // Borrower: XXXX [2] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
Missing approval, 1008 or AUS Missing approval using FNMA Matrix for guidelines Missing approval using FNMA Matrix for guidelines |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. [3] Federal Compliance - General Ability To Repay Provision Credit History: Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. [3] Federal Compliance - General Ability To Repay Provision Employment - Schedule C Test: Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (XXXX/Schedule C) [3] Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule C: Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (XXXX/Schedule C) [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of X.XX% significantly exceeds the guideline maximum of X.XX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) [3] Federal Compliance - Income Method of Calculation: Qualified Mortgage (Dodd-Frank 2014): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend. (XXXX/Schedule C) [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - QM Required Credit Report Not Provided to Evidence Debts: Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (XXXX/8364820) [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXXX/Schedule C) [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. [2] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXX/8364820) [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX,XXX.XX may be required. |
Federal Compliance - Check Loan Designation Match - QM: Missing income, asset, credit report and pay history Federal Compliance - General Ability To Repay Provision Credit History: Missing proof of private mortgage pay history and credit report Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule C: One of the following missing documents is required for this income source: 1) Most recent tax transcripts; 2) Most recent signed, dated 1040s; 3) Audited YTD P&L; 4) 1099 Federal Compliance - General Ability To Repay Provision Investor Guidelines: Missing approval using FNMA Matrix for guidelines Federal Compliance - QM DTI: Missing approval default to FNMA matrix Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: Missing right to receive copy of appraisal Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Missing income verification Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Initial CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing. Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: Missing initial Loan estimate |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - General Ability To Repay Provision Credit History: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - General Ability To Repay Provision Employment - Schedule C Test: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule C: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | D | C | A | D | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000315 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Application / Processing - Missing Document: Fraud Report not provided | 1 | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: initial providedXX/XX/XXXX and the final one onXX/XX/XXXX which was over 10 business days of final Note dateXX/XX/XXXX. | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000326 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Guideline Issue - Aged document: Primary Valuation is older than guidelines permit: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX [3] Application / Processing - Missing Document: Fraud Report not provided |
Provide evidence of either a new appraisal completed prior to closing or form 442 Re-Certification of value to extend the effective date of the existing appraisal. | 1 | 1 | - | C | A | A | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000325 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000309 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000302 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000301 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000327 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000322 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000328 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> |
2 | [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000313 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [3] Insurance Eligibility - MI Monthly Premium Amount documented in file does not match the Escrowed Mortgage Insurance Premium amount per month collected on the HUD. | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000318 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000319 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000304 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000306 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000314 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000312 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000317 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an Application fee of $XXX.XX and a Courier Fee for $XXX,XXX.XX as prepaid finance charges. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000324 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000330 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000321 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | Yes | TR HUD Deficiency | D | D | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000308 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000311 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000331 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000333 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000305 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000292 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a Closing fee of $XXX.XXas a prepaid finance charge, Also, TIL itemization disclosed a courier fee of $XXX.XXand interim interest in the amount of $XXX,XXX.XX, however the HUD reflects a courier fee of $XXX.XXand interim interest in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000054 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or XXXX ) |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000293 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000298 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000300 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000295 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000296 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000299 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 1 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000294 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000297 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000310 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000316 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |
Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000303 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): XXXX Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: XXXX Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List): XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000320 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000332 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000323 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000329 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |
Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000356 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Application / Processing - Missing Document: Fraud Report not provided [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] State Compliance - XXXX CHL Complaint Agency Disclosure Timing Test: XXXX Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. State Compliance - XXXX CHL Complaint Agency Disclosure Timing Test: Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |
- | C | B | A | C | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000355 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Property type discrepancy.: Appraisal property type of Single Family Attached does not match AUS property type of Single Family Detached. [3] Application / Processing - Missing Document: Fraud Report not provided [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX |
The appraisal reported Semi-detached end unit. | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |
Federal Compliance - Check Loan Designation Match - QM: QM status not met due to DTI and no compensating factors. Federal Compliance - QM DTI: Loan was approved with X.XX% DTI, and reviewed at X.XX%, with the $XXX.XX included. Lender omitted XXXX $XXX.XX/$XXX.XX. $XXX.XX payments remain. Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing: Missing the final updated GFE. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: Missing the final updated GFE. Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: Missing the final updated GFE. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: Missing the final updated GFE. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: Missing the final updated GFE. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000352 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000353 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |
Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000350 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or XXXX ) [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: RESPA (2010): Loan Amount on Final HUD-1 does not match Note. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |
Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000096 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000059 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] State Compliance - XXXX Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: XXXX Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA State Compliance - XXXX Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the XXXX unfair and deceptive acts and practices statute. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000088 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000349 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000346 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The itemization of amount financed did not include the courier fee of $XXX.XX as a prepaid finance charge. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000089 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000348 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or initialed by borrower so cannot confirm that borrower received. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000354 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX | 2 | [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |
Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000345 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000347 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000090 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Closing / Title - (Doc Error) TIL Error: Final TIL signed by all required parties is blank [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. [2] State Compliance - XXXX Tangible Net Benefit Test: XXXX Mortgage Lender and Broker Act: Unable to determine if mortgage loan was refinanced within the past twelve (12) months without a tangible net benefit to the borrower due to missing prior loan information. |
Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Final TIL provided did not contain date sent or borrower's signature. | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Closing / Title - (Doc Error) TIL Error: Final TIL signed by all required parties is blank: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. State Compliance - XXXX Tangible Net Benefit Test: The secondary market purchase of a loan does not trigger coverage of the statute.” |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000394 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Application / Processing - Missing Document: Fraud Report not provided [3] Credit Documentation - No evidence of fraud report in file: Credit Report: Original // Borrower: XXXX |
1 | 1 | - | C | A | A | C | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000392 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000113 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. |
Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000396 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000383 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000390 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000385 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000388 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000397 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): XXXX Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: XXXX Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List): XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |
State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000393 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000384 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Lien - Missing evidence of lien position on Other Financing.: Lien Position: 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000402 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Fees are under disclosed $XXX,XXX.XX and fees match the HUD. Itemization not provided. Unable to verify the reason for the under disclosure without the Itemization. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000391 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |
Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000400 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000389 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000399 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000395 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Flood Certificate not provided | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000381 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |
2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000386 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000409 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000410 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure, appears to be payment stream related | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000412 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000413 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000416 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Debt Consolidation | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000418 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000420 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000421 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000411 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000414 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |
Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000422 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000415 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000417 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000419 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 2 | [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. | Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000433 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Purchase | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000382 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000368 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Streamlined | 2 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided | 2 | [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List): XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000371 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000365 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000366 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000369 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000424 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | ATR Fail | 3 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: SEVERE WINTER STORMS Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds Guideline total debt ratio of X.XX%. [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Application / Processing - Missing Valuation:: Valuation Type: Stated / Valuation Report Date: <empty> Appraisal is missing [3] Income Documentation - REO Documents are missing.: Address: XXXX Insurance Verification, Tax Verification |
Property is located in a FEMA disaster area-Winter StormsXX/XX/XXXXoXX/XX/XXXX File is missing property inspection reflecting if property has been damaged or not Loan file is missing income documentation to support income calculated For a first mortgage secured by a property on which an individually held insurance policy is maintained, Fannie Mae requires coverage equal to the lesser of the following: 100% of the insurable value of the improvements, as established by the property insurer; or the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount—80% of the insurable value of the improvements—required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained. The appraisal report is missing from the loan file. Full appraisal is missing from loan file Missing REO documentation for Investment property. Need verification of taxes and insurance |
3 | [3] Federal Compliance - General Ability To Repay Provision Employment - Schedule C Test: Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (XXXX/Schedule C) [3] Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule C: Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (XXXX/Schedule C) [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of X.XX% significantly exceeds the guideline maximum of X.XX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) [3] Federal Compliance - Income Method of Calculation: Qualified Mortgage (Dodd-Frank 2014): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend. (XXXX/Schedule C) [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXXX/Schedule C) [3] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is ATR Fail. [2] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXX/8258783) [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - General Ability To Repay Provision Employment - Schedule C Test: Third party verification was not provided. Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule C: Missing all income documentation Federal Compliance - General Ability To Repay Provision Investor Guidelines: This exception will be cleared once all ATR/QM specific exceptions have been cured/cleared. Federal Compliance - QM DTI: Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency Federal Compliance - Sole Proprietorship Income Documentation Test: Missing 2 years tax returns, P&L, balance sheet and third party verification. Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Missing third party verification of employment. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Disclosure signed by the borrower was dated 9/2/2014. |
Federal Compliance - General Ability To Repay Provision Employment - Schedule C Test: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule C: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - Unknown Loan Designation Test: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000423 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |
Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000406 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Application / Processing - Missing Document: Fraud Report not provided | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Missing evidence appraisal was provided at or before closing. Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final CD provided a finance charge of $XXX,XXX.XX, however, calculated finance charge was $XXX,XXX.XX. Understated $XXX.XX. |
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000403 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] State Compliance - XXXX Late Charge Grace Period Testing: XXXX Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. [2] State Compliance - XXXX Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] State Compliance - XXXX Prepayment Penalty Test: XXXX Prepayment Penalty: A prepayment penalty is not permissible on a loan originated on or after June 1, 2008. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] State Compliance - XXXX Ability to Repay Not Verified: XXXX SB270: Borrower’s ability to repay not verified with reliable documentation. [2] State Compliance - XXXX SB270 Prepayment Penalty Test 2009: XXXX SB270: Mortgage loan contains an impermissible prepayment penalty. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
State Compliance - XXXX Ability to Repay Not Verified: No express provisions for assignee liability Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000407 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000404 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] State Compliance - XXXX Late Charge Grace Period Testing: XXXX Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000408 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): XXXX Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: XXXX Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List): XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000405 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000432 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 3 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Mortgagors requirement to maintain adequate insurance at the mortgagor's own expense [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable (UAL State) | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000440 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 3 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Yes | TR Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000427 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | [3] General - Initial Rate Lock rate date is not documented in file. | 3 | [3] State Compliance - XXXX Home Loan (Fee Charged for Payoff Statement): XXXX Home Loan: Impermissible fee charged for payoff statement. | State Compliance - XXXX Home Loan (Fee Charged for Payoff Statement): Assignee Liability: Any person who purchases, is assigned or otherwise becomes a holder of a high cost home loan will be subject to all affirmative claims and defenses that the borrower could assert against the creditor of the high cost home loan, including the right of rescission which applies regardless of whether the safe harbor provision is met. In an action brought by a borrower against an assignee: (i) the borrower may only assert the action individually and any relief granted may not exceed the sum of the amount of all remaining indebtedness of the borrower and reasonable attorneys' fees in the individual action; (ii) the borrower may only assert a claim of a violation of the flipping and prohibited high cost home loan provisions in response to the holder's notice of acceleration or foreclosure notice; and (iii) the borrower must bring the action within one year from the date of the occurrence of the violation, except in defense by recoupment or setoff. | State - NC | C | C | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000429 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000431 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose the e-mail fee of $XXX.XXor the courier fee of $XXX.XXas prepaid finance charges. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000430 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000428 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000448 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000444 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000446 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000445 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX [3] Credit Documentation - Missing Document: Credit Report not provided |
2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000447 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000465 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 1 | [1] Application / Processing - Missing Document: Missing Final 1003 | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000468 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Streamlined | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): XXXX Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation. [2] State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): XXXX Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Assignee liability is unclear. Purchasers and assignees of XXXX mortgage loans would not appear to be liable for violations of the Act. However, effective 8/1/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000115 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: Close at Home Loan. Final Til not signed however, Acknowledgment of Receipt in file signed by borrower | Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000467 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000459 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000460 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000469 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000461 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000466 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000462 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000463 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000372 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] State Compliance - XXXX Prepayment Penalty Test: XXXX Prepayment Penalty: A prepayment penalty is not permissible on a loan with an effective rate of interest of 8% or greater. Loan's effective rate of interest is X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a service charge fee of $XXX.XX and aa courier fee of $XXX,XXX.XX as prepaid finance charge. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000373 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization does not disclose the $XXX.XXAssignment Recording Fee, the $XXX.XX Title Pick Up Fee or the $XXX.XXService Charge in the Prepaid Finance Charges. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000374 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Lien - Missing evidence of lien position on Other Financing.: Lien Position: 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000375 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] State Compliance - XXXX Prepayment Penalty Junior Lien: XXXX Prepayment Penalty: A prepayment penalty is not permissible on a subordinate lien loan. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000376 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | ATR Risk | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] Credit Documentation - Credit Report Error: Credit report is missing FICO scores.: Credit Report: Original // Borrower: XXXX [3] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: WILDFIRES Disaster Declaration Date: XX/XX/XXXX |
Loan does not have guidelines from the lender. Credit score used is that of an International Credit Boy and the FICO Score was not provided. |
3 | [3] Appraisal Data Integrity - Appraiser's license or certification was not active at the time of the appraisal.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraiser's license or certification was not active at the time of the appraisal | 3 | [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: X.XX%, LTV/CLTV: X.XX%/X.XX%, Credit Score: , Occupancy: Second Home, Purpose: Purchase, [3] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM. Due Diligence Loan Designation is ATR Risk. [2] Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance not provided.: GFE Date: XX/XX/XXXX Changed Circumstance not provided for GFE dated XX/XX/XXXX from GFE dated XX/XX/XXXX [2] Miscellaneous Compliance - (Doc Error) GFE Error: Rate lock period not provided.: GFE Date: XX/XX/XXXX [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE and HUD 10% Fees without a cure due to missing information. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block 1/HUD 801 Fees without a cure due to missing information. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block 2/HUD 802 Fees without a cure due to missing information. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block 8/HUD 1203 Transfer Tax Fees without a cure due to missing information. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block A/HUD 803 Fees without a cure due to missing information. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Interest Rate Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" interest rate on the Final TIL does not match the maximum interest rate that may apply during the life of the loan. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever P&I Payment Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" P&I payment on the Final TIL does not match the maximum principal and interest payment that may apply during the life of the loan. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the life of the loan. |
Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Unable to determine ability to repay due to missing guideline Miscellaneous Compliance - (Doc Error) GFE Error: Rate lock period not provided.: Rate was locked but the period is still to be determined according to the GFE. Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: GFE dated XX/XX/XXXX is missing page 2 Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: GFE dated XX/XX/XXXX is missing page 2 Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: GFE dated XX/XX/XXXX is missing page 2 Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: GFE dated XX/XX/XXXX is missing page 2 Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: GFE dated XX/XX/XXXX is missing page 2 |
Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - Unknown Loan Designation Test: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Interest Rate Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever P&I Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | C | C | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000377 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | ATR Fail | 3 | 3 | [3] Asset Documentation - Asset documentation requirements not met. [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] Income Documentation - Income documentation requirements not met. [3] Income Documentation - REO Documents are missing.: Address: XXXXInsurance Verification, Statement, Tax Verification [3] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: WILDFIRES Disaster Declaration Date: XX/XX/XXXX |
Donor gift funds not sourced. Guidelines not provided. Income documentation requirements not met due to missing WVOE and paystubs REO Documents , Insurance Verification and Tax Verification are missing |
1 | 3 | [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Ability to Repay (Dodd-Frank 2014): Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. (XXXX/Wages) [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: X.XX%, LTV/CLTV: X.XX%%/X.XX%%, Credit Score: 800, Occupancy: Second Home, Purpose: Purchase, [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXXX/10404116) [3] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM. Due Diligence Loan Designation is ATR Fail. [3] Federal Compliance - Wages Documentation: Qualified Mortgage (Dodd-Frank 2014): Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. (XXXX/Wages) [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [2] Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of $XXX.XX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX,XXX.XX is less than amount of binding Lender Credit previously disclosed in the amount of $XXX,XXX.XX. (9300) [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7520) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7200) |
Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Missing guidelines; loan is waterfalling to standard QM/ATR documentation requirements. Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Missing guidelines; loan is waterfalling to standard QM/ATR documentation requirements. Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Missing guidelines; loan is waterfalling to standard QM/ATR documentation requirements. Federal Compliance - QM Employment History: Missing guidelines; loan is waterfalling to standard QM/ATR documentation requirements. Federal Compliance - Unknown Loan Designation Test: Due to missing guidelines. Federal Compliance - Wages Documentation: Missing guidelines; loan is waterfalling to standard QM/ATR documentation requirements. Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Borrower not provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Missing guidelines; loan is waterfalling to standard QM/ATR documentation requirements. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Affiliated Business Arrangement Disclosure to applicant within three business days of application. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: List of Homeownership Counseling Organizations not provided to applicant within three business days of application. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower at least three business days prior to closing. Federal Compliance - TRID Lender Credit Tolerance Violation: Lender Credit of $XXX,XXX.XX is less than amount of binding Lender Credit previously disclosed in the amount of $XXX,XXX.XXFederal Compliance - TRID Loan Estimate Timing: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX, no cure or valid change of circumstances was provided Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX, no cure or valid change of circumstances was provided |
Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - Unknown Loan Designation Test: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Lender Credit Tolerance Violation: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000379 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | ATR Fail | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXXX // Account Type: Savings / Account Number: XXXX [3] Income Documentation - Income Docs Missing:: Borrower: XXXX Account Statements, WVOE - Includes Income [3] Application / Processing - Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided [3] Income Documentation - REO Documents are missing.: Address: XXXX, Insurance Verification, Statement [3] Income Documentation - Verification(s) of employment is not within 10 calendar days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX |
File is missing the 1008 or guidelines, only Approval was in the file. Title policy missing from the file. The XXXX statement is not the most recent statement prior to closing date. The file missing the Business Entity Listings and CPA letter to confirm income The file did not contain the Loan Underwriting and Transmittal Summary or lender guidelines. File contains portions of several e-mail chains regarding lender approval. The REO proof of insurance and mortgage statement not provided. Appraisal Inspection was completed on XX/XX/XXXX before Declaration Date of XX/XX/XXXX. |
1 | 3 | [3] Federal Compliance - General Ability To Repay Provision Employment - W-2: Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXXX/Wages) [3] Federal Compliance - General Ability To Repay Provision Employment - W-2: Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXXX/Wages) [3] Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule B: Ability to Repay (Dodd-Frank 2014): Unable to verify Interest / Dividend income using reasonably reliable third-party records. (XXXX Interest / Dividends/Schedule B) [3] Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Ability to Repay (Dodd-Frank 2014): Unable to verity income due to, paystub provided was dated more than 90 days prior to closing. (XXXX/Wages) [3] Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Ability to Repay (Dodd-Frank 2014): Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. (XXXX/Wages) [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: X.XX%, LTV/CLTV: X.XX%%/X.XX%%, Credit Score: 694, Occupancy: Primary, Purpose: Refinance, Cash-out - Other [3] Federal Compliance - Interest Dividend Income Tax Returns: Qualified Mortgage (Dodd-Frank 2014): Two (2) years tax returns or Bank Statements to evaluate Interest / Dividend income or losses requirement not met. (XXXX Interest / Dividends/Schedule B) [3] Federal Compliance - Overtime Bonus Method of Calculation: Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. (XXXX/Bonus) [3] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM. Due Diligence Loan Designation is ATR Fail. [3] Federal Compliance - Wages Documentation: Qualified Mortgage (Dodd-Frank 2014): Unable to verity income due to, paystub provided was dated more than 90 days prior to closing. (XXXX/Wages) [3] Federal Compliance - Wages Documentation: Qualified Mortgage (Dodd-Frank 2014): Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. (XXXX/Wages) [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. [2] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXX/10404181) [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 32,707.92 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX,XXX.XX may be required. [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Federal Compliance - General Ability To Repay Provision Employment - W-2: The file did contain a CPA letter or any third party or business Entity Listings verifying the employment for business start dates and the company's name. Federal Compliance - General Ability To Repay Provision Employment - W-2: The file did contain a CPA letter or any third party or business Entity Listings verifying the employment for business start dates and the company's name. Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule B: The file did contain any documentation of the Interest/ Dividend income Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: The file did contain a CPA letter or any third party or business Entity Listings verifying the employment for business start dates and the company's name. Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: The file did contain a CPA letter or any third party or business Entity Listings verifying the employment for business start dates and the company's name. Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Lender guidelines and/or full approval were not provided Federal Compliance - Wages Documentation: Missing CPA letter or WVOE Federal Compliance - Wages Documentation: Missing CPA letter or WVOE Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: The file was missing the LE. Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: The file did contain any third party verifying the employment for business start dates and the company's name. Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: Lender calculation of annual taxes was not provided. Missing Title Commitment. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: The Closing Disclosure was provided to Borrower on same date as the closing date of XX/XX/XXXX. Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: The file does not contain the Loan Estimate. Application / Processing - Missing Document: Missing Lender's Initial 1003: The file did not contain the inital 1003. |
Federal Compliance - General Ability To Repay Provision Employment - W-2: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - General Ability To Repay Provision Employment - W-2: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule B: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - Unknown Loan Designation Test: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000378 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Fail | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] Document Error - Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. [3] Application / Processing - Missing Document: AUS not provided [3] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX |
Guidelines not provided. Blanket policy does not include walls in coverage and HO6 policy is not in file Loan Summary provided in loan file does not specify if AUS findings utilized or manual underwriter. CoreLogic Credco verification of employment dated XX/XX/XXXX. |
1 | 3 | [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: X.XX%, LTV/CLTV: X.XX%%/X.XX%%, Credit Score: 763, Occupancy: Primary, Purpose: Purchase, [3] Federal Compliance - General Ability To Repay Provision Mortgage-Related Obligations: Ability to Repay (Dodd-Frank 2014): Mortgage-related obligations not considered in loan qualification. [3] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM. Due Diligence Loan Designation is ATR Fail. [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX,XXX.XX may be required. [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Missing guidelines; loan is waterfalling to standard QM/ATR documentation requirements. Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Missing guidelines; loan is waterfalling to standard QM/ATR documentation requirements. Federal Compliance - General Ability To Repay Provision Mortgage-Related Obligations: Missing guidelines; loan is waterfalling to standard QM/ATR documentation requirements. Federal Compliance - Unknown Loan Designation Test: Missing guidelines; loan is waterfalling to standard QM/ATR documentation requirements. Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: Evidence applicant provided with the Right to Receive a Copy of the Appraisal Disclosure not provided in loan file. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Provide supporting documentation evidencing applicant provided with copy of appraisal three (s) business days prior to consummation. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Affiliated Business Arrangement Disclosure provided XX/XX/XXXX and signed/ dated by applicant XX/XX/XXXX. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Disclosure Summary tracking report not provided in loan file. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Document not provided. Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: Loan Estimate not provided within loan images to evidence delivery to the applicant. |
Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - General Ability To Repay Provision Mortgage-Related Obligations: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - Unknown Loan Designation Test: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000380 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary HPQM (GSE/Agency Eligible) | 2 | 2 | [2] Document Error - The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Commitment State: XX [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: WILDFIRES Disaster Declaration Date: XX/XX/XXXX |
REVIEWER - RE-GRADED COMMENT (2023-06-30): Comp factors used to regrade exception | 1 | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Temporary HPQM (GSE/Agency Eligible) matches the Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established): Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX,XXX.XX may be required. [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Loan designation was restated by client. Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: Missing Appraisal receipt acknowledgement or waiver. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Final CD issued XX/XX/XXXX and signed by borrower XX/XX/XXXX, same day of closing. There is no evidence or another CD on file issued and signed by borrower 3 business days before closing. Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: Evidence that a Loan Estimate was provided to the Borrower within three days of application is missing. |
REVIEWER - GENERAL COMMENT (2023-06-19): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $XXX.XX. Borrower has worked in the same position for more than 3 years. |
- | C | B | A | C | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000449 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000453 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000451 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000457 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Right to receive a copy of the Appraisal Disclosure dated XX/XX/XXXX is not within 3 business days of the application date on XX/XX/XXXX. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Homeownership Counseling Disclosure and List of Organizations dated XX/XX/XXXX is not within 3 business days of the application date on XX/XX/XXXX. Federal Compliance - TRID Loan Estimate Timing: Initial Loan Estimate dated XX/XX/XXXX is not within 3 business days of the application date on XX/XX/XXXX. |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000455 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Income Documentation - REO Documents are missing.: Address: XXXX Tax Verification [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) |
Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Loan Calculations (pg 5): Total of Payment does not match the calculated Total of Payments for the loan. TOP is calculated as follows: sum of calculated payment stream + Loan Costs + Prepaid Interest + Mortgage Insurance. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: The Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX without a changed of circumstance. |
Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000454 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Income Documentation - REO Documents are missing.: Address: XXXX, XX Statement | Mortgage statement and Tax cert not provided. | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. [2] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |
Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: NMLS License XXXX nor MLO's name not found in system - LO does work for a Federal bank, however need to be federal Active. Lender to provide proof MLO was licensed at time of application. Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: Page 3 of Final HUD does not include a monthly MI payment of $XXX,XXX.XX in the escrow account. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, which is the incorrect one. Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Page 3 of Final HUD does not include a monthly MI payment of $XXX,XXX.XX in the escrow account. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Page 3 of Final HUD does not include a monthly MI payment of $XXX,XXX.XX in the escrow account. |
Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $XXX.XX, in the case of an individual transaction, or the lesser of $XXX.XX or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $XXX.XX or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000458 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX,XXX.XX is less than Cash From Borrower $XXX,XXX.XX. | 1 | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $XXX.XX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (FinXX/XX/XXXX) |
Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: Final CD is incomplete and missing page 2. Unable to verify escrow payments disclosed. Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment Test: Final CD is incomplete and missing page 2. Unable to verify escrow payments disclosed. |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000617 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000473 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided [1] Application / Processing - Missing Document: Flood Certificate not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000245 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000494 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000498 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000496 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] State Compliance - XXXX Prepayment Penalty ARM Test: XXXX Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000500 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000499 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] General - FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |
2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000505 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000507 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000514 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000508 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000510 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Underdisclosure is due to the lender's TIL itemization did not disclose a $XXX.XXRecording Service Fee as a prepaid finance charge. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000506 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000511 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000518 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000028 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal Not Provided | 2 | [2] Miscellaneous Compliance - Initial TIL not provided | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000029 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000472 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000477 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities. |
Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000485 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the Lender's Final TIL showing 60 months of MI at $XXX,XXX.XX and the calculated field showing 60 months of MI at $XXX,XXX.XX. | Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Liability appears to be limited to originators/licensees. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000476 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000475 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000474 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000493 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: EARTHQUAKE AND AFTERSHOCKS Disaster Declaration Date: XX/XX/XXXX |
The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. | 1 | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Reconveyance Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (77180) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Reconveyance Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $XXX,XXX.XX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000492 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (8304) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7726) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC). Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (77208) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (77190) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for FNMA Homebuyer Education Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7543) |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Missing valid COC and there is no evidence of a cure provided. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Missing valid COC and there is no evidence of a cure provided. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Missing valid COC and there is no evidence of a cure provided. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Missing valid COC and there is no evidence of a cure provided. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Missing valid COC and there is no evidence of a cure provided. |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000491 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX a XXXX Company // Account Type: Individual Retirement Account (IRA) / Account Number: XXXX, Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE WINTER STORMS Disaster Declaration Date: XX/XX/XXXX |
Only 1 month of bank statement provided. | 1 | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (77223) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (75197) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the borrower for tolerance overages Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the borrower for tolerance overages Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the borrower for tolerance overages |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000490 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: WILDFIRES Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7200) |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No appraisal fee disclosed on any LE provided. Appraisal fee only shown on closing disclosures. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX and no cure was provided to the borrower. (7200) |
Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000489 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [2] Credit Documentation - Missing Document: Credit Report not provided [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
File is missing the credit report. File is missing the MI Certificate. |
REVIEWER - RE-GRADED COMMENT (2023-06-27): Exception re-grade to EV2. Compensating factor is sufficient. REVIEWER - RE-GRADED COMMENT (2023-06-27): Exception re-grade to EV2. Compensating factor is sufficient. |
1 | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. [2] State Compliance - North Carolina First Lien Late Charge Percent Testing: North Carolina Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 4%. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InterXX/XX/XXXX) [2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InterXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (8304) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) |
Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Loan designation was restated by client. Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: An Le dated XX/XX/XXXX was issues after the initial CD dated XX/XX/XXXX. Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: An Le dated XX/XX/XXXX was issues after the initial CD dated XX/XX/XXXX. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the borrower for tolerance overages Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tolerance cure provided is insufficient to cure all tolerance violations. |
Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $XXX.XX. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score is above 680. |
- | C | B | A | C | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000488 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Temporary HPQM (GSE/Agency Eligible) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: WILDFIRES Disaster Declaration Date: XX/XX/XXXX |
REVIEWER - GENERAL COMMENT (2023-06-19): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: WILDFIRES Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Temporary HPQM (GSE/Agency Eligible) matches the Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower. (0) |
Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Loan designation was restated by client. | REVIEWER - CURED COMMENT (2022-01-05): Sufficient Cure Provided within 60 Days of Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | - | C | B | A | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000487 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
1 | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (8304) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7580) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7200) |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Transfer Tax fee collected at closing in the amount of $XXX,XXX.XX was not disclosed on the Loan Estimate with no cure provided to the borrower. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tax Service Fee collected at closing in the amount of $XXX,XXX.XX was not disclosed on the Loan Estimate with no cure provided to the borrower. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan discount point collected at closing in the amount of $XXX,XXX.XX was not disclosed on the Loan Estimate with no cure provided to the borrower. |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | D | B | A | D | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000484 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: SEVERE WINTER STORMS Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX [3] Appraisal Documentation - Missing Document: Appraisal not provided [2] Asset Calculation / Analysis - AUS Findings: Available for Reserves discrepancy.: Calculated Available for Reserves of $XXX,XXX.XX is less than AUS Available for Reserves of $XXX,XXX.XX. [2] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Property type discrepancy.: Appraisal property type of does not match AUS property type of PUD. [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [2] Income Documentation - Income Docs Missing:: Borrower: XXXX 4506-T (2015), 4506-T (2016) [2] Loan File - Missing Document: Hazard Insurance Policy not provided [1] Application / Processing - Missing Document: Flood Certificate not provided [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
Appraisal is missing Missing evidence of IRS 2015 payment plan as reflected on AUS |
REVIEWER - RE-GRADED COMMENT (2023-06-27): Exception re-grade to EV2. Compensating factor is sufficient. REVIEWER - RE-GRADED COMMENT (2023-06-27): Exception re-grade to EV2. Compensating factor is sufficient. REVIEWER - RE-GRADED COMMENT (2023-06-27): Exception re-grade to EV2. Compensating factor is sufficient. REVIEWER - RE-GRADED COMMENT (2023-06-27): Exception re-grade to EV2. Compensating factor is sufficient. REVIEWER - RE-GRADED COMMENT (2023-06-30): Comp factors used to regrade exception |
1 | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM matches the Due Diligence Loan Designation of Higher Priced QM. [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 11,534.60 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure XX/XX/XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 930.38 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX,XXX.XX may be required. [1] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX/XXXX) |
Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Loan designation was restated by client. Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: Missing the initial LE signed by the borrower within 3 days of application date Federal Compliance - Property Type Not Provided: Appraisal missing Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: Calculated monthly escrowed property expenses are $XXX.XX.02 however the CD on file datedXX/XX/XXXX reflects $XXX.XX. Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: Closing Disclosure does not reflect any seller fees and the Selller's Closing Disclosure was not provided. Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: Taxes disclosed on 1003 differ from actual cost Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure was issuedXX/XX/XXXXloan closedXX/XX/XXXXFederal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: The Loan Estimate was not provided. Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed: Closing Disclosure estimated HOA fees of $XXX,XXX.XX do not match the Non-Escrowed Property Costs over 1 Year of $XXX,XXX.XX. |
REVIEWER - CURED COMMENT (2021-12-16): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $XXX.XX. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX,XXX.XX. |
- | D | B | A | D | ||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000483 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 1 | 2 | [2] State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): XXXX Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. [2] State Compliance - XXXX Consumer Sales Practices Act (Closing Disclosure Not Provided): XXXX Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. [2] State Compliance - XXXX CSPA Tangible Net Benefit Test: XXXX Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 6,094.08 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) |
State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Document missing State Compliance - XXXX CSPA Tangible Net Benefit Test: Information missing Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: Policy for HOI states 1317 per year CD reflects 1371. Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed: Policy for HOI states 1317 per year CD reflects 1371. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: No earlier receipt found in file Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Tolerance - total amount of $XXX.XX exceeds tolerance of $XXX.XX |
State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. State Compliance - XXXX Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000482 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE WINTER STORMS Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 898.00 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | C | B | A | C | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000486 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) |
Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Missing initial CD provided three business days prior to closing. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Fees increased without a valid COC, no cure provided. |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000481 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | Temporary HPQM (GSE/Agency Eligible) | 2 | 2 | [2] Credit Documentation - Missing Document: Credit Report not provided [2] Loan File - Missing Document: Hazard Insurance Policy not provided |
Hazard Insurance policy not in file. | REVIEWER - RE-GRADED COMMENT (2023-06-27): Exception re-grade to EV2. Compensating factor is sufficient. REVIEWER - RE-GRADED COMMENT (2023-06-30): Comp factors used to regrade exception |
1 | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Temporary HPQM (GSE/Agency Eligible) matches the Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |
Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Loan designation was restated by client. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: The signed ABA provided was datedXX/XX/XXXX. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: Unable to locate in the loan file. |
Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. |
Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $XXX.XX. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is less than or equal to 35%. |
- | B | B | A | B | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000478 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 2 | 2 | [2] Asset Calculation / Analysis - AUS Findings: Available for Reserves discrepancy.: Calculated Available for Reserves of $XXX,XXX.XX is less than AUS Available for Reserves of $XXX,XXX.XX. [2] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $XXX,XXX.XX is less than AUS qualifying asset balance of $XXX,XXX.XX. [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [2] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX |
Verified reserves of $XXX,XXX.XX after closing are insufficient to cover the LP required reserves of $XXX,XXX.XX. Shortage is due to borrower was qualified with a gift of $XXX,XXX.XX however, the Final HUD-1 only verified a gift deposit of $XXX,XXX.XX. File is missing proof the remaining gift of $XXX,XXX.XX was transferred to the borrower as required by LP Condition #B9. Verified assets of $XXX,XXX.XX are insufficient to cover the LP qualifying assets of $XXX,XXX.XX. Shortage is due to borrower was qualified with a gift of $XXX,XXX.XX however, the Final HUD-1 only verified a gift deposit of $XXX,XXX.XX. File is missing proof the remaining gift of $XXX,XXX.XX was transferred to the borrower as required by LP Condition #B9. File only contains the first page of the credit report dated XX/XX/XXXX. Upon receipt of the complete credit report with all pages as required by LP Condition #5M, additional conditions may apply. File only contains the first page of the credit report dated XX/XX/XXXX. Upon receipt of the complete credit report with all pages, additional conditions may apply. |
REVIEWER - RE-GRADED COMMENT (2023-06-27): Exception re-grade to EV2. Compensating factor is sufficient. REVIEWER - RE-GRADED COMMENT (2023-06-27): Exception re-grade to EV2. Compensating factor is sufficient. REVIEWER - RE-GRADED COMMENT (2023-06-27): Exception re-grade to EV2. Compensating factor is sufficient. REVIEWER - RE-GRADED COMMENT (2023-06-27): Exception re-grade to EV2. Compensating factor is sufficient. |
1 | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Loan designation was restated by client. Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: File is missing the Initial 1003 to verify the application date. Unable to determine compliance with NMLSR timing requirements. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: File is missing the Initial 1003 to verify the application date. Unable to determine compliance with timing requirements. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: File is missing the Initial 1003 to verify the application date. Unable to determine compliance with timing requirements. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: File is missing proof the borrower received the HUD Settlement Cost Booklet. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: File is missing the Initial 1003 to verify the application date. Unable to determine compliance with timing requirements. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: File is missing the Initial 1003 to verify the application date. Unable to determine compliance with NMLS timing requirements. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: File is missing the Initial 1003 to verify the application date. Unable to determine compliance with timing requirements. |
Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $XXX.XX00, in the case of an individual transaction, or the lesser of $XXX.XX,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $XXX.XX00,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score is above 680. |
- | C | B | A | C | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000479 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application. [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |
Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: HUD Settlement Cost Booklet time stamped XX/XX/XXXX is not within 3 business days of the application date on XX/XX/XXXX. Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Final TIL disclosed an Escrow Payment of $XXX,XXX.XX. Verified Escrow Payment is $XXX,XXX.XX per month. Difference of $XXX.XXX.XX cents is due to lender qualified the borrower with a monthly insurance payment of $XXX,XXX.XX however, the insurance policy provided verifies an annual premium of $XXX,XXX.XX, which is $XXX,XXX.XX per month. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Final TIL disclosed a Total Payment of $XXX,XXX.XX. Verified Total Payment is $XXX,XXX.XX per month. Difference of $XXX.XXX.XX cents is due to lender qualified the borrower with a monthly insurance payment of $XXX,XXX.XX however, the insurance policy provided verifies an annual premium of $XXX,XXX.XX, which is $XXX,XXX.XX per month. |
Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000480 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: WILDFIRES Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX [2] Application / Processing - Missing Document: Fraud Report not provided [2] Loan File - Missing Document: Hazard Insurance Policy not provided |
The subject property is located in a FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage to the subject. The inspection must include exterior photos of the subject. | REVIEWER - GENERAL COMMENT (2023-06-19): EXCEPTION HISTORY - Exception Explanation was updated on XX/XX/XXXX PRIOR Exception Explanation: Disaster Name: WILDFIRES Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX REVIEWER - RE-GRADED COMMENT (2023-06-27): Exception re-grade to EV2. Compensating factor is sufficient. REVIEWER - RE-GRADED COMMENT (2023-06-30): Comp factors used to regrade exception |
1 | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Temporary SHQM (GSE/Agency Eligible) matches the Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible). [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Loan designation was restated by client. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Missing initial Servicing Disclosure. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Missing signed at application Righ to receive copy of appraisal. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: XXXX close at home loan, borrowers acknowledgement in file |
REVIEWER - GENERAL COMMENT (2023-06-19): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure disclosure to applicant within three (3) business days of application or determination of first lien status. | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $XXX.XX. Borrower has worked in the same position for more than 3 years. |
- | C | B | A | C | ||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000569 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000254 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000522 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
Yes | TR Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000255 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: Truth in Lending Act (HELOC): Agreement contains provision allowing creditor to unilaterally change terms of plan for impermissible circumstances. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] State Compliance - XXXX Standard Prepayment Penalty SMLA: XXXX Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants) [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000519 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date ofXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing wasXX/XX/XXXX. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000252 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000251 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [1] Application / Processing - Missing Document: Missing Final 1003 | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000580 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | N/A | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX [3] Application / Processing - Missing Document: Fraud Report not provided |
1 | 1 | - | C | A | A | C | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000582 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000095 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000555 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |
High Cost testing complete - Premium and terms documented in file | 2 | [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): XXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000547 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000546 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000549 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000551 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX | 2 | [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information. | Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000548 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000550 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Final Itemization of Amount Financed | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000545 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000564 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000557 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000560 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): XXXX Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: XXXX Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List): XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |
State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000565 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000566 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000575 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose the MI reserves of $XXX,XXX.XX or wire fee of $XXX.XXas prepaid finance charge. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000572 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000574 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |
Yes | TR Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000576 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000578 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty): XXXX Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty): PPP Expired. Prepayment charge is allowed per state MN - max prepayment charge for MN ARM loan is 2% of the unpaid principal at the time of prepayment; or 60 days’ interest on the unpaid principal at the time of prepayment - same as note. Lender is New Century Mortgage Corporation. | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty): Assignee liability is unclear. Purchasers and assignees of XXXX mortgage loans would not appear to be liable for violations of the Act. However, effective 8/1/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000577 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] General - Initial Rate Lock rate date is not documented in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000581 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000523 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000584 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (43-Q) | 2 | 2 | [2] Mortgage / Program Eligibility - AUS Findings: Investor qualifying housing ratio discrepancy.: Calculated investor qualifying housing ratio of X.XX% exceeds AUS housing ratio of X.XX%. [2] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds AUS total debt ratio of X.XX%. [2] Application / Processing - Missing Document: General Services Administration (GSA) not provided |
The AUS used a monthly property tax payment of $XXX.XX, however the tax cert shows the monthly property tax payment is $XXX,XXX.XX. The AUS used a monthly property tax payment of $XXX.XX, however the tax cert shows the monthly property tax payment is $XXX,XXX.XX. |
REVIEWER - RE-GRADED COMMENT (2023-06-28): Exception re-grade to EV2. Compensating factor is sufficient. REVIEWER - RE-GRADED COMMENT (2023-06-28): Exception re-grade to EV2. Compensating factor is sufficient. REVIEWER - RE-GRADED COMMENT (2023-06-30): Comp factors used to regrade exception |
1 | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (43-Q) matches the Due Diligence Loan Designation of Safe Harbor QM (43-Q). [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7580) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Electronic Document Delivery Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7525) |
Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Loan designation was restated by client. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: A cure of $XXX.XXwas provided at closing. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: A Cure of $XXX.XXwas provided at closing. |
REVIEWER - CURED COMMENT (2022-08-01): Sufficient Cure Provided At Closing REVIEWER - CURED COMMENT (2022-08-01): Sufficient Cure Provided At Closing |
Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has verified disposable income of at least $XXX.XX. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX,XXX.XX. |
- | B | B | A | B | ||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000528 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization of Amount Financed did not disclose a Courier Fee for $XXX.XX and an Attorney Fee for $XXX.XX but did disclose a Doc Preparation Fee for $XXX.XX as a prepaid finance charge. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000531 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | UTD UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000539 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Application / Processing - Missing Document: Fraud Report not provided [3] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided |
Please provide the purchase contract for the subject property. | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Thee is not evidence that the borrower received a copy of the appraisal. | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | D | B | A | D | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000585 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided [1] Application / Processing - Missing Document: Flood Certificate not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Document Error - Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | TR Tested | C | C | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000586 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Closing / Title - (Doc Error) Security Instrument Error: Notary Date was not provided [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Closing / Title - (Doc Error) Security Instrument Error: Notary Date was not provided: Notary date not present, estimated consummation date used for testing purposes. Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL shows MI for 88 months whereas review calculated MI for 103 months. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000517 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000552 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000527 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000532 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | 3 | [3] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing): Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. [2] Federal Compliance - Federal HPML 2009 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. |
State Compliance - (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. Federal Compliance - Federal HPML 2009 Non Compliant: TILA HPML - Subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
State - NC | C | C | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000533 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Unable to test the Escrow Payment on the Final TIL due to missing information. [2] Federal Compliance - 2011 TIL-MDIA - Interest Rate Inaccurate: Unable to test Introductory Interest Rate due to missing information. [2] Federal Compliance - 2011 TIL-MDIA - P&I Payment Inaccurate: Unable to determine if the Principal and Interest Payment on the Final TIL matches the Principal and Interest Payment on the loan due to missing information. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Unable to determine if the Total Payment on the Final TIL matches the Total Payment on the loan due to missing information. [2] Federal Compliance - Incorrect TIL Form Used: Truth in Lending Act (MDIA 2011): TIL disclosure not compliant under MDIA |
Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA - Interest Rate Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA - P&I Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Incorrect TIL Form Used: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000536 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000538 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: SEVERE STORMS AND FLOODING Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX [3] Application / Processing - Missing Document: Fraud Report not provided |
1 | 1 | - | C | A | A | C | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000007 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Fail | 3 | 3 | [3] Asset Documentation - Asset documentation requirements not met. [3] Asset Calculation / Analysis - AUS Findings: Available for Closing discrepancy.: Documented qualifying Assets of $XXX,XXX.XX is less than AUS Available for Closing of $XXX,XXX.XX. [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $XXX,XXX.XX is less than AUS qualifying asset balance of $XXX,XXX.XX. [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX,XXX.XX is less than Cash From Borrower $XXX,XXX.XX. [3] Guideline Issue - Borrower has been on current job less than 2 years, and prior employment history was not documented as required.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX [3] Guideline Issue - Employment was not verified within 10 days of the note date.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX [3] Appraisal Adjustments - Excessive site value noted on appraisal without appraiser comments to justify: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX [3] Income Documentation - Income Docs Missing:: Borrower: XXXX 4506-C (2018), Paystubs, VVOE - Employment Only, W-2, WVOE - Includes Income [3] Income Documentation - Income documentation requirements not met. [3] General - Missing Document: Account Statements - Personal not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided [3] Income Documentation - The verification of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX [3] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX [3] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX |
Bank statements not provided. Bank Statements not provided. Bank statements not provided. Prior employment history was not documented as required. Appraiser did comment on site value. Loan is waterfalling to standard QM/ATR documentation requirements due to missing income documentation The VOE, paystubs, and W2s are missing. Income documents not provided. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. [3] Federal Compliance - General Ability To Repay Provision Employment - W-2: Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXXX/Wages) [3] Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Ability to Repay (Dodd-Frank 2014): Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. (XXXX/Wages) [3] Federal Compliance - Overtime Bonus 2Yr Calc: Qualified Mortgage (Dodd-Frank 2014): Use of Overtime/Bonus income for less than two (2) years not justified or documented in writing. (XXXX/Bonus) [3] Federal Compliance - Overtime Bonus Declining: Qualified Mortgage (Dodd-Frank 2014): Use of continual decline in income for Overtime/Bonus not justified or documented. (XXXX/Bonus) [3] Federal Compliance - Overtime Bonus Method of Calculation: Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. (XXXX/Bonus) [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXXX/9101025) [3] Federal Compliance - TRID Closing Disclosure Status Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. [3] Federal Compliance - Wages Documentation: Qualified Mortgage (Dodd-Frank 2014): Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. (XXXX/Wages) [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Not Provided Timely: RESPA: Initial escrow account statement was not provided to the borrower within 45 calendar days of closing. [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX,XXX.XX may be required. [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Federal Compliance - Check Loan Designation Match - QM: Loan is waterfalling to standard QM/ATR documentation requirements due to missing income documentation Federal Compliance - General Ability To Repay Provision Employment - W-2: Loan is waterfalling to standard QM/ATR documentation requirements due to missing income documentation Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Loan is waterfalling to standard QM/ATR documentation requirements due to missing income documentation Federal Compliance - QM DTI: Loan is waterfalling to standard QM/ATR documentation requirements due to missing income documentation Federal Compliance - QM Employment History: Loan is waterfalling to standard QM/ATR documentation requirements due to missing income documentation Federal Compliance - Wages Documentation: Loan is waterfalling to standard QM/ATR documentation requirements due to missing income documentation Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: The Right to Receive a copy of the appraisal was not provided in the file. Federal Compliance - (Missing Data) Last Rate Set Date: Rate lock document is missing. Federal Compliance - RESPA - Initial Escrow Account Statement Not Provided Timely: The initial escrow account statement was provided onXX/XX/XXXX. Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: The loan estimate was not provided in the file. Application / Processing - Missing Document: Missing Lender's Initial 1003: Initial 1003 is actually on file but it wasn't signed by Loan Originator/Borrower. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - General Ability To Repay Provision Employment - W-2: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - TRID Closing Disclosure Status Test: High Cost or Anti-Predatory Lending Testing impact, therefore no SOL considerations. For TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TILA ATR/QM | D | C | A | D | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000559 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
Evidence of Insurance provided reflects coverage amount of $XXX.XX,800 versus loan amount of $XXX.XX,800 causing a Coverage Shortfall of $XXX.XX000. | 1 | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization provided Seller paid fees applied to charges on FHUD; however not sufficient to cover under disclosure of $XXX,XXX.XX. | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000338 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine cause of under-disclosure due to missing itemization of amount financed. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR HUD Deficiency | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000342 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000387 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] State Compliance - XXXX Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): XXXX Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. State Compliance - XXXX Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): The secondary market purchase of a loan does not trigger coverage of the statute. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000367 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): XXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |
State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000370 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000425 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Application / Processing - Missing Document: Other not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000426 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000443 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000434 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000436 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000435 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000442 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |
Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: Final TIL signed without a signature date. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000471 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000452 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000450 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000456 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000497 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000495 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000050 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
File does not contain Preliminary of Final Title. | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. | Yes | TR Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000501 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000502 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] State Compliance - XXXX Home Loan (Late Charge): XXXX Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: The RTC was signed by the borrower but it was not dated when it was signed | State Compliance - XXXX Home Loan (Late Charge): Assignee Liability: Assignees and purchasers of XXXX high cost home loans are subject to all affirmative claims and any defenses with respect to the loan that the borrower could assert against the original creditor of the loan. Section 6(c) of the Act also provides that a borrower acting only in an individual capacity may assert against the creditor or any subsequent holder or assignee: (1) Within six years of the closing of covered home loan, a violation of the Act as an original action or as a defense, claim, or counterclaim; and (2) At any time during the term of a high cost home loan a defense, claim or counterclaim. The aforementioned may both be brought after an action to collect on the home loan or foreclose on the collateral securing the home loan has been initiated, the debt arising from the home loan has been accelerated, or the home loan has become 60 days in default. Further, the Act contains a choice of law provision permitting actions under either the XXXX Consumer Fraud Act ("NJCFA"), which possibly allow for class actions, or the Act. The July 6, 2004 amendments clarify that a defense, claim, or counterclaim may only be brought in an individual capacity and may not be asserted in a class action. Additionally, the statute provides for punitive damages. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
Late Charge | C | C | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000513 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
Yes | TR HUD Deficiency | D | D | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000503 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000512 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000279 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable (UAL State) | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000520 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine as the itemization of amount financed did not breakdown prepaids . | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000250 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000524 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000256 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. | 2 | [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. | Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000253 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000521 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information. [2] State Compliance - XXXX Consumer Sales Practices Act (Ability to Repay not Verified): XXXX Consumer Sales Practices Act: Borrower’s ability to repay not verified with reliable documentation. [2] State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): XXXX Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. [2] State Compliance - XXXX Consumer Sales Practices Act (Closing Disclosure Not Provided): XXXX Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. [2] State Compliance - XXXX Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): XXXX Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. State Compliance - XXXX Consumer Sales Practices Act (Closing Disclosure Not Provided): "The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure." State Compliance - XXXX Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000094 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of X.XX% is underdisclosed from calculated APR of X.XX% outside of X.XX% tolerance. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Lenders Final TIL represents 92 monthly payments of MI. Whereas audited finance charge reflects 106 monthly payments of MI and a fall-off after approximately 78% LTV. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000544 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000553 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not reflect a Email Fee in the amount of $XXX,XXX.XX, MERS Fee in the amount of $XXX,XXX.XX, Mortgage Insurance Premium in the amount of $XXX,XXX.XX, POA Fee in the amount of $XXX.XX as prepaid finance charges. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000556 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Yes | TR HUD Deficiency | D | D | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000558 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000563 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000571 | $XXX,XXX.XX | XX | XX/XX/XXXX | 2 | [3] Application / Processing - Missing Document: Missing all loan applications. [3] Closing / Title - Title: Evidence of title is missing |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |
- | B | B | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000542 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] General - Initial Rate Lock rate date is not documented in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable (UAL State) | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000573 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000568 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | 1 | [1] Application / Processing - Missing Document: Missing Final 1003 | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000579 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000525 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000530 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000534 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000535 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> | 2 | [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a Processing Fee of $XXX.XX as a prepaid finance charge. | Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000537 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX | 2 | [2] State Compliance - XXXX Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): XXXX Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |
State Compliance - XXXX Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Assignee liability is unclear. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000529 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000526 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000590 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten percent tolerance fee exceeded. Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. No cure provided to the borrower. The following fees increased without valid change of circumstances: Settlement Fee, Closing Protection Letter, Title, Courier Fee, Electronic Document Delivery Fee, Recording Service Fee and Wire/Funding Fees. | - | C | B | A | C | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000589 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000591 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |
Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000587 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000588 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000600 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [2] Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Escrowed Property Costs over Year 1 - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $XXX.XX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXX.XX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Escrowed Property Costs over Year 1 - October 2018: Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $XXX.XX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1: Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXX.XX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Escrowed Property Costs over Year 1 - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000610 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: Loan is DSCR. Guidelines are required for the loan review. | UTD | Indeterminable | A | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000611 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7580) |
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required, Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tax Service Fee was not disclosed on LE but disclosed as $XXX.XXon Final Closing Disclosure. File does not contain a valid Change Of Circumstance for this fee, nor evidence sufficient cure in file. |
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000612 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Application / Processing - Missing Document: Fraud Report not provided [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX,XXX.XX is less than amount of binding Lender Credit previously disclosed in the amount of $XXX,XXX.XX. (9300) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7579) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: The only Closing Disclosures in the loan file are dated the same day as the closing. Federal Compliance - TRID Lender Credit Tolerance Violation: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX,XXX.XX is less than amount of binding Lender Credit previously disclosed in the amount of $XXX,XXX.XX. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Lender Credit Tolerance Violation: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000624 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000613 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX.XX is underdisclosed from calculated Finance Charge of $XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an Broker fee of $XXX.XX as prepaid finance charge. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000615 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000616 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000619 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 | 3 | [3] Value Discrepancy - Loan is missing secondary valuation product required for securitization. | The file is missing a copy of the secondary valuation required for securitization purposes. | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (8304) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (75103) |
Federal Compliance - TRID Final Closing Disclosure Principal and Interest: Final Closing Disclosure reflects a principal and interest payment of $XXX,XXX.XX under loan terms. Actual payment is $XXX,XXX.XX. Closing Disclosing dated XX/XX/XXXX corrected the discrepancy. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: The fees in question were seller paid and captured from the seller's CD. It is customary the fees in question be paid by seller's in the state of PA Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Re-Inspection Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |
REVIEWER - CURED COMMENT (2020-03-11): TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable provided | Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | C | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000618 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |
Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000614 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |
Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000621 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000622 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000623 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Adjustable Rate Construction-Permanent Loan: Loan is a Construction to Perm ARM disclosed as one transaction with an adjustable rate during the construction phase. Loan type is not supported. Loan is not subject to high cost. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Other Exceptions | C | C | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000625 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000620 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 | 1 | 1 | [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 | - | A | B | A | B | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000637 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (InterXX/XX/XXXX) [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (0) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7520) |
Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. |
REVIEWER - CURED COMMENT (2024-04-15): Sufficient Cure Provided At Closing REVIEWER - CURED COMMENT (2024-04-15): Sufficient Cure Provided At Closing |
Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000626 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Guideline Issue - Credit history reflects lates that do not meet guidelines.: Credit Report: Original // Borrower: XXXX Credit history reflects a total of 12 reported late payments. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORM AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | C | B | A | C | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000628 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: ABD is not signed/dated. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Dated XX/XX/XXXX |
Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000629 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Closing / Title - Title Error: Title vesting does not concur with deed | Title does not reflect any vesting and the Mortgage reflects a married man. | 1 | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (8304) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7200) |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Missing valid COC and no cure was provided. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Missing valid COC and no cure was provided. |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000630 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000627 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
Yes | TR Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000008 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Guideline Issue - Note loan amount is less than guideline minimum.: Note loan amount of $XXX,XXX.XX is less than guideline minimum loan amount of $XXX,XXX.XX1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure appears to be payment stream related, due to DSI. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000631 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List): Unable to test counseling agencies list due to missing information. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000632 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: The file is missing one or more of the core documents required for a review. Please provide a complete loan package including an initial 1003, a final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, final Title, and all issued LE's and CD's. | UTD | Indeterminable | A | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000633 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] General - FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000635 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |
Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000636 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000634 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | 2 | [3] Missing Document - Title: Evidence of title is missing [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX Inspection Date: XX/XX/XXXX [1] Application / Processing - Missing Document: Flood Certificate not provided |
File does not contain neither Preliminary nor Final Title. | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000639 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.: Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
There was a FEMA disaster dated XX/XX/XXXX. Need a post-disaster inspection form indicating no damage to the subject property, and must be dated after the disaster declaration. | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure XX/XX/XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (FinXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Verification of appraisal was delivered to borrower not provided in file. Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: There are no seller paid fees disclosed on the seller closing disclosure. |
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | - | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000638 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | HUD Safe Harbor QM | 3 | 3 | [3] Guideline Issue - The FHA Minimum Required Investment was not met per the Total Calculated Cash to Close on the CD.: CD Total Borrower Contribution: $XXX,XXX.XX; CD Borrower's % Investment: X.XX%; [2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) [2] Government Documentation - FHA - Real Estate Certification was provided at or after closing.: Disclosure: FHA - Real Estate Certification (Government Documents) Provided Date: XX/XX/XXXX; Consummation Date: XX/XX/XXXX |
Total verified assets are of $XXX,XXX.XX. Per closing disclosure total borrower contribution is $XXX,XXX.XX which comes to borrower investment of X.XX%. FHA - Important Notice to Homebuyer was provided at the time of closing instead of within three dats of the application date. FHA - Real Estate Certification was not provided at the time of application. |
1 | 1 | - | C | A | A | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000644 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Risk | 3 | 3 | [3] Asset Documentation - Asset documentation requirements not met. [3] Asset Calculation / Analysis - AUS Findings: Available for Reserves discrepancy.: Calculated Available for Reserves of $XXX,XXX.XX is less than AUS Available for Reserves of $XXX,XXX.XX. [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $XXX,XXX.XX is less than AUS qualifying asset balance of $XXX,XXX.XX. [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX,XXX.XX is less than Cash From Borrower $XXX,XXX.XX. [3] Government Documentation - FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) [3] Government Documentation - Lead Based Paint Attachment - Attached to Purchase Contract is missing.: Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents) [3] Application / Processing - Missing Document: Verification of Identification not provided [3] Guideline Issue - The FHA Minimum Required Investment was not met per the documented Assets in file.: Total Borrower Contribution (Per Assets): $XXX,XXX.XX; Borrower's % Investment (Per Assets): X.XX% |
Provide Final CD for sale of XXXX reflecting proceeds of $XXX,XXX.XX. Caluclated reserves of $XXX,XXX.XX is less than the AUS available for reserves of $XXX,XXX.XX. Calculated qualifying asset balance of $XXX,XXX.XX is less than AUS qualifying asset balance of $XXX,XXX.XX. Provide Final CD for sale of XXXX reflecting proceeds of $XXX,XXX.XX. Provide Final CD for sale of XXXX reflecting proceeds of $XXX,XXX.XX. |
3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [3] Federal Compliance - Projected Income - New Employment: Qualified Mortgage (Dodd-Frank 2014): Use of Projected income (New Employment) requirement not met. (XXXX/Projected Income) [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |
Federal Compliance - Check Loan Designation Match - QM: Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. Federal Compliance - General Ability To Repay Provision Investor Guidelines: The loan was agency a proved with an originator loan designation of FHA Safe Harbor but the required equity from sale of property with proceeds of $XXX,XXX.XX was not provided as required per investor guidelines causing the loan to waterfall through the QM testing. Federal Compliance - HUD QM AU Finding Fail: Subject loan is not eligible for FHA, due to unable to verify net proceeds from sale of property with proceeds in the amount of $XXX,XXX.XX. Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Provide Final CD for sale of XXXX reflecting proceeds of $XXX,XXX.XX. Federal Compliance - Projected Income - New Employment: Letter from employer in loan file reflecting start date. Federal Compliance - Federal HPML 2014 Non Compliant: Final Disclosure Annual Percentage Rate is X.XX% However Calculated Annual Percentage Rate is X.XX% Variance is of -X.XX%. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | D | D | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000640 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Copy of appraisal is required to be delivered to borrower within 3 business days prior to closing. Federal Compliance - (Missing Data) Last Rate Set Date: Rate lock is required to mitigate this exception. Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: Contact NMLS ID was not stated on CD Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing disclosure is required to be delivered to borrower within 3 business days prior to closing. |
Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000649 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000650 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000642 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000652 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000651 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000654 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000643 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000656 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000655 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000668 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000648 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Yes | TR Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000653 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000646 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000657 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000645 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000647 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000641 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> |
2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000667 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000663 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000664 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000665 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Purchase | 3 | [3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000666 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Document Error - Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000672 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000671 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 1 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided | High Cost testing complete - Premium and terms documented in file. | 1 | - | A | A | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000004 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] State Compliance - XXXX Prepayment Penalty ARM Test: XXXX Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. [2] State Compliance - XXXX Prepayment Penalty Test: XXXX Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of X.XX% per the (document type), however the lowest index value available in the lookback period is X.XX%. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000669 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 3 | [3] General - Initial Rate Lock rate date is not documented in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] State Compliance - XXXX Standard Prepayment Penalty SMLA: XXXX Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants) [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000662 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [3] General - Initial Rate Lock rate date is not documented in file. | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000670 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] General - Initial Rate Lock rate date is not documented in file. | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000013 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000033 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] General - FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |
2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000681 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 3 | [3] Loan File - Missing Document: Hazard Insurance Policy not provided | Hazard insurance is missing. | 3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | 2 | [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) |
Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Recording Service Fee was last disclosed as $XXX,XXX.XX on LE but disclosed as $XXX,XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal fee was last disclosed as $XXX,XXX.XX on LE but disclosed as $XXX,XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |
Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | D | D | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000676 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Mortgage / Program Eligibility - Missing Document: Note - Subordinate Lien not provided | Note/HELOC agreement for subordinate lien missing | 1 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000674 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |
State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: 10 day grace period less than 15 day minimum per state (PA) | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000680 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: The itemization of amount financed did not include the courier fee of $XXX.XX as a prepaid finance charge. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000677 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000678 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |
2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000675 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 5%. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
No | TNR Testing Not Required | D | D | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000715 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000716 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000717 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of X.XX% is underdisclosed from calculated APR of X.XX% outside of X.XX% tolerance. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to lender using an index of X.XX% per the Good Faith Settlement and the only available index in our lookback is X.XX% | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000718 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization reflects Settlement fee of $XXX.XX0 and final HUD reflects $XXX.XX Settlement fee. TIL Itemization reflects Tax Tracking fee of $XXX.XXand HUD does not include this as a finance charge. TIL Itemization reflects Prepaid Interest of $XXX,XXX.XX and HUD reflects Prepaid Interest of $XXX.XX1.76. HUD reflects Courier fee of $XXX.XXand Sub Escrow fee of $XXX,XXX.XXhese fees are not included in prepaid finance charges per TIL Itemization. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000719 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000720 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000595 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: Missing all pages of HELOC note to complete compliance testing. | UTD | Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000596 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Rate/Term | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000713 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Exempt from ATR | 3 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
1 | 3 | [3] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender): Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. [3] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX,XXX.XX is over disclosed by $XXX,XXX.XX compared to the calculated Amount Financed of $XXX,XXX.XX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of X.XX% of the Federal Total Loan Amount. Points and Fees total $XXX,XXX.XX on a Federal Total Loan Amount of $XXX,XXX.XX vs. an investor allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX or X.XX%). [2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InterXX/XX/XXXX) [2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InterXX/XX/XXXX) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7563) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7527) |
State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender): TX - Subsection 50(f)(2) Affidavit is not provided. Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Disclosure reflects Amount Finance of $XXX,XXX.XX but calculated Amount Finance of $XXX,XXX.XX Variance = $XXX,XXX.XX. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosure reflects Finance Charge of $XXX,XXX.XX but calculated Finance Charge of $XXX,XXX.XX Variance = $XXX,XXX.XX. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: Loan Estimate Issue and Received Date is post Closing Disclosure Issue and Received Date Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: Loan Estimate Issue and Received Date is post Closing Disclosure Issue and Received Date Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $XXX,XXX.XX due to Increase of Recording Fee. No valid COC provided, nor evidence of cure in file. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: 0% tolerance was exceeded by $XXX.XX due to Increase of Document Preparation Fee. No valid COC provided, nor evidence of cure in file. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: 0% tolerance was exceeded by $XXX,XXX.XX due to Increase of Service Charges. No valid COC provided, nor evidence of cure in file. |
State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
State - NC | C | C | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000742 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Interest and Usury Prepayment Penalty: XXXX Prepayment Penalty: A prepayment penalty is not permissible on a loan with an effective rate of interest of 8% or greater. Loan's effective rate of interest is X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000737 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000738 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: FEMA Disaster Date: XX/XX/XXXX [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date ofXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing wasXX/XX/XXXX. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000736 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000739 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List Timing): XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000740 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000741 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000744 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000743 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000721 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000732 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Sales Practices Act (Ability to Repay not Verified): XXXX Consumer Sales Practices Act: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment. [2] State Compliance - XXXX CSPA Tangible Net Benefit Test: XXXX Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): Unable to determine due to missing initial application | State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000729 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided [2] Government Documentation - FHA - Amendatory Clause was provided at or after closing.: Disclosure: FHA - Amendatory Clause (Government Documents) Provided Date: XX/XX/XXXX; Consummation Date: XX/XX/XXXX [2] Government Documentation - FHA - Real Estate Certification was provided at or after closing.: Disclosure: FHA - Real Estate Certification (Government Documents) Provided Date: XX/XX/XXXX; Consummation Date: XX/XX/XXXX |
2 | [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |
Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000722 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000723 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000724 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Status: Unable to determine if loan file contains CHARM Booklet due to missing information. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000725 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Finance charge under disclosure is due to lender disclosed TIL utilizing an index lower than available within look back. lowest index within look back is X.XX%. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000726 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000727 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000730 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000731 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of 5/3/2004 12:00:00 AM. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000733 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Status: Unable to determine if loan file contains CHARM Booklet due to missing information. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. [2] State Compliance - Tennessee Prepayment Penalty Test: Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000734 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000728 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: The file is missing one or more of the core documents required for a review. Please provide a Note, Security Instrument, initial 1003, final 1003, an Approval or 1008, income verification, asset verification, final Title, and all issued LE's and CD's or TIL's, GFE's and HUD1's. Loan is a HELOC for which guidelines are required. | UTD | Indeterminable | A | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000735 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: The file is missing one or more of the core documents required for a review. Please provide an AUS, Approval or 1008, income verification, asset verification, an origination credit report, final Title, and all issued TIL's, GFE's and HUD1's. | REVIEWER - GENERAL COMMENT (2024-11-05): Still missing an AUS, Approval or 1008, income verification, asset verification, and an origination credit report,. | UTD | Indeterminable | A | D | A | D | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000679 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000755 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000757 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | N/A | 3 | 3 | [3] Income Documentation - Income documentation requirements not met. [3] Income Documentation - REO Documents are missing.: Address: XXXX Insurance Verification, Statement, Tax Verification [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX |
REO statement, tax, and insurance verification for borrower's primary residence is missing. Insurance Verification, Statement, Tax Verification not provided of following property (XXXX) The Post Disaster Inspection with photos dated on or after the Disaster End Date XX/XX/XXXXs missing. |
3 | [3] Appraisal Data Integrity - Appraiser's license or certification was not active at the time of the appraisal.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | XX/XX/XXXX: Appraiser's license or certification was not active at the time of the appraisal. | 1 | [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 | Application / Processing - Missing Document: Missing Lender's Initial 1003: Initial 1003 not provided. | - | C | B | C | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000758 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or XXXX ) [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |
Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000781 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Fail | 3 | 3 | [3] Insurance Documentation - Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. [3] Loan File - Missing Document: Hazard Insurance Policy not provided |
Hazard Policy not provided. Missing Hazard Insurance Policy. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - General Ability To Repay Provision Income and Assets - No Income Provided: Ability to Repay (Dodd-Frank 2014): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of X.XX% of the Federal Total Loan Amount. Points and Fees total $XXX,XXX.XX on a Federal Total Loan Amount of $XXX,XXX.XX vs. an investor allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX orX.XX%). [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] State Compliance - (State HPML Provision) XXXX Subprime Loan (Ability to Repay not Verified): XXXX Subprime Loan: Borrower’s ability to repay not verified with reliable documentation. [2] State Compliance - (State HPML Disclosure) XXXX Subprime Loan (Counseling Disclosure Not Provided): XXXX Subprime Loan: Counseling Disclosure not provided to borrower. [2] State Compliance - (State HPML Disclosure) XXXX Subprime Loan (Subprime Legend Not on Mortgage): XXXX Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. [2] State Compliance - (State HPML Provision) XXXX Subprime Loan (Escrow Not Established): XXXX Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) [2] State Compliance - XXXX Subprime Home Loan Threshold Fixed Non-Compliant: XXXX Subprime Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of Prime Mortgage Market Rate 2.96000 + X.XX%, or X.XX%. Non-Compliant SubPrime Loan. [2] State Compliance - (State HPML Disclosure) XXXX Subprime Loan (Notice of Taxes and Insurance Not Provided): XXXX Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |
Federal Compliance - Check Loan Designation Match - ATR: Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. Federal Compliance - General Ability To Repay Provision Income and Assets - No Income Provided: No Ratio Loan. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Loan fails Mortgage Points and fees test due to the fees charged to the Borrower(s) exceed 3% the loan amount. The Note reflects a loan amount of $XXX.XX,750 Fees charged to the Borrower(s) equal $XXX,XXX.XX which equal X.XX% of the loan amount. Federal Compliance - Federal HPML 2014 Non Compliant: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. State Compliance - (State HPML Provision) XXXX Subprime Loan (Ability to Repay not Verified): Borrower’s ability to repay not verified with reliable documentation. State Compliance - (State HPML Disclosure) XXXX Subprime Loan (Counseling Disclosure Not Provided): Counseling Disclosure not provided to borrower. State Compliance - (State HPML Disclosure) XXXX Subprime Loan (Subprime Legend Not on Mortgage): Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. State Compliance - (State HPML Provision) XXXX Subprime Loan (Escrow Not Established): Mandatory escrow account not established for the collection of property taxes and insurance. State Compliance - XXXX Subprime Home Loan Threshold Fixed Non-Compliant: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of Prime Mortgage Market Rate 2.96000 + X.XX%, or X.XX%. State Compliance - (State HPML Disclosure) XXXX Subprime Loan (Notice of Taxes and Insurance Not Provided): Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide List of Homeownership Counseling Organizations to borrower. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |
Federal Compliance - Check Loan Designation Match - ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. State Compliance - (State HPML Disclosure) XXXX Subprime Loan (Counseling Disclosure Not Provided): Assignee Liability: A violation of the subprime home loan provisions may be asserted by a borrower as a defense in any action by a lender or assignee to enforce a loan against a borrower in default more than sixty days or in foreclosure. Any person found to have violated the provisions shall be liable to the borrower of a subprime home loan for actual damages. The subprime home loan provisions do not otherwise appear to impose any civil liability on an assignee. State Compliance - (State HPML Disclosure) XXXX Subprime Loan (Subprime Legend Not on Mortgage): Assignee Liability: A violation of the subprime home loan provisions may be asserted by a borrower as a defense in any action by a lender or assignee to enforce a loan against a borrower in default more than sixty days or in foreclosure. Any person found to have violated the provisions shall be liable to the borrower of a subprime home loan for actual damages. The subprime home loan provisions do not otherwise appear to impose any civil liability on an assignee. State Compliance - (State HPML Provision) XXXX Subprime Loan (Escrow Not Established): Assignee Liability: A violation of the subprime home loan provisions may be asserted by a borrower as a defense in any action by a lender or assignee to enforce a loan against a borrower in default more than sixty days or in foreclosure. Any person found to have violated the provisions shall be liable to the borrower of a subprime home loan for actual damages. The subprime home loan provisions do not otherwise appear to impose any civil liability on an assignee. State Compliance - XXXX Subprime Home Loan Threshold Fixed Non-Compliant: A violation of the subprime home loan provisions may be asserted by a borrower as a defense in any action by a lender or assignee to enforce a loan against a borrower in default more than sixty days or in foreclosure. Any person found to have violated the provisions shall be liable to the borrower of a subprime home loan for actual damages. The subprime home loan provisions do not otherwise appear to impose any civil liability on an assignee. State Compliance - (State HPML Disclosure) XXXX Subprime Loan (Notice of Taxes and Insurance Not Provided): Assignee Liability: A violation of the subprime home loan provisions may be asserted by a borrower as a defense in any action by a lender or assignee to enforce a loan against a borrower in default more than sixty days or in foreclosure. Any person found to have violated the provisions shall be liable to the borrower of a subprime home loan for actual damages. The subprime home loan provisions do not otherwise appear to impose any civil liability on an assignee. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | ||||||||
| XXXX | XXXX | XXXX XXXX | 000601 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Address: XXXX, Address: XXXX, Address: XXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX [3] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXXX // Account Type: Funds from Business Account / Account Number: XXXX [3] Asset Documentation - Guideline Issue:Insufficient asset documentation. [3] Application / Processing - Missing Document: Business Purpose Certificate not provided [3] Closing / Title - Missing Document: Closing Protection Letter not provided |
Require 1 month additional bank statement within 90 days prior to note date to cover 60 days period. Business Purpose Certificate is missing in the file. Closing Protection Letter is missing in the file. |
1 | - | C | A | C | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000658 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: WILDFIRES Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX |
post disaster inspection is missing. | 3 | [3] Value Discrepancy - Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53: Note Date: XX/XX/XXXX; Lien Position: 2 | Per approval no appraisal rquired. | 2 | [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide List of Homeownership Counseling Organizations to borrower. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Valid Change Circumstance not provided |
Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000659 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORM AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required | 1 | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Homeownership Counseling List missing Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $XXX,XXX.XX due to Recording Fee. No valid COC provided, nor evidence of cure in file. |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000660 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 1 | [1] Application / Processing - FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.: Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
The property is in a FEMA disaster area. Provide a satisfactory post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX (XXXX) Declared Disaster End Date. | 3 | [3] Appraisal Documentation - Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: 128: Note Date: XX/XX/XXXX; Lien Position: 2 | Appraisal was provided. Secondary valuation from subject transaction is missing. | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | C | B | A | C | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000661 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized. The supporting secondary valuation is missing. Sec ID: 126: Note Date: XX/XX/XXXX; Lien Position: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | 2 | [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |
Federal Compliance - Federal HPML 2014 Non Compliant: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List of Homeownership Counseling Organizations is missing. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): Loan is HPML, which requires a full appraisal. |
Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000759 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized. The supporting secondary valuation is missing. Sec ID: 126: Note Date: XX/XX/XXXX; Lien Position: 2 | Secondary valuation is not required as Appraisal Value is supported. | 2 | [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |
Federal Compliance - Federal HPML 2014 Non Compliant: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX%. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: The file is missing List of Homeownership Counseling Organizations. Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |
Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000760 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7561) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (75197) |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List of Homeownership Counseling Organizations disclosure not provided. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Settlement / Closing / Escrow Fee increased from $XXX,XXX.XX to $XXX,XXX.XX on the XX/XX/XXXX closing disclosure without a valid change of circumstance. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Recording Service Fee increased from $XXX,XXX.XX to $XXX,XXX.XX on the XX/XX/XXXX closing disclosure without a valid change of circumstance. |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000761 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.: Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List of Homeownership Counseling Organizations is missing in file. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000762 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: SEVERE FOREST FIRE Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX |
The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. | 3 | [3] Value Discrepancy - Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53: Note Date: XX/XX/XXXX; Lien Position: 2 | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: File is missing Homeownership Counseling Disclosure. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | C | B | A | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000763 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 3 | [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX,XXX.XX is less than Cash From Borrower $XXX,XXX.XX. | Available for Closing is insufficient to cover Cash From Borrower. Provide additional fund for closing. | 1 | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (8304) |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Homeownership Counseling Organizations is missing in the file. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Transfer Tax Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000764 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Non QM | 3 | 1 | 3 | [3] Value Discrepancy - Loan is to be securitized. The supporting secondary valuation does not support the qualifying value. Sec ID: 57: Note Date: XX/XX/XXXX; Lien Position: 2 | Loan is to be securitized. | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | A | B | A | B | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000765 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
Need a post disaster property inspection report showing no damage to the subject property. | 3 | [3] Appraisal Documentation - Loan is to be securitized. The supporting secondary valuation is missing. Sec ID: 126: Note Date: XX/XX/XXXX; Lien Position: 2 | 2 | [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide List of Homeownership Counseling Organizations to borrower. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $XXX.XX. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
- | C | B | A | C | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000766 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List of Homeownership Counseling Organizations was not provided. Federal Compliance - TRID Loan Estimate Timing: Initial Loan estimate was not executed. |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000767 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Non QM | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX |
The subject property is located in a FNMA disaster area, A Post disaster inspection verifying there was no damage to the subject property is required. | 3 | [3] Value Discrepancy - Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53: Note Date: XX/XX/XXXX; Lien Position: 2 | 3 | [3] State Compliance - XXXX CHL Complaint Agency Disclosure Timing Test: XXXX Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) |
State Compliance - XXXX CHL Complaint Agency Disclosure Timing Test: Complaint Agency Disclosure not provided within 3 days of the loan application date. Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Right to receive a copy of the appraisal not provided within 3 days of the loan application date. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Affiliated Business Arrangement Disclosure not provided within 3 days of the loan application date. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List of Homeownership Counseling Organization Disclosure is missing. Federal Compliance - TRID Loan Estimate Timing: Loan Estimate not provided to borrower within 3 days of the loan application date. |
State Compliance - XXXX CHL Complaint Agency Disclosure Timing Test: Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Loan Estimate Timing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
State - NC | C | C | A | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000768 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized. The supporting secondary valuation is missing. Sec ID: 126: Note Date: XX/XX/XXXX; Lien Position: 2 | 2 | [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. [2] Federal Compliance - TIL HPML Appraisal Disclosure - HPML Timing: HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide List of Homeownership Counseling Organizations to borrower. Federal Compliance - TIL HPML Appraisal Disclosure - HPML Timing: File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): A drive by 2055 valuation was provided. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |
Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL HPML Appraisal Disclosure - HPML Timing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
Borrower has owned the subject property for at least 5 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
- | A | B | A | B | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000769 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 3 | [3] Document Error - The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary State: XX |
1 | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7200) |
Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Revised Loan Estimate provided on XX/XX/XXXX was not dated or signed by borrower. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. COC is missing in file. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. File is missing COC. |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000770 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 1 | 3 | [3] Value Discrepancy - Loan is to be securitized. The supporting secondary valuation does not support the qualifying value. Sec ID: 57: Note Date: XX/XX/XXXX; Lien Position: 2 | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InterXX/XX/XXXX) |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List of Homeownership Counseling Organizations missing in file. Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: LE issued 12/4/23 which was the same day the initial Closing Disclosure was issued. |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000771 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized. The supporting secondary valuation is missing. Sec ID: 126: Note Date: XX/XX/XXXX; Lien Position: 2 | 2 | [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |
Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000772 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 3 | [3] Mortgage / Program Eligibility - Transaction Error: Outstanding liens were not paid at closing.: Date Issued: XX/XX/XXXX | Subject loan is a second lien. Outstanding debts on credit report totaling $XXX,XXX.XX were paid off at closing. | 1 | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List of Homeownership Counseling Disclosure is missing. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000773 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized. Appraisal from prior transaction was in file. Secondary valuation from subject transaction is missing. Sec ID: 49: Note Date: XX/XX/XXXX; Lien Position: 2 | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000774 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX [3] Document Error - The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary State: MD |
Property is located in a FEMA Disaster area and has not been inspected. Final title policy is required to mitigate this exception. |
3 | [3] Value Discrepancy - Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53: Note Date: XX/XX/XXXX; Lien Position: 2 | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. | 2 | [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] State Compliance - (State HPML Disclosure) XXXX Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided): XXXX Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. [2] State Compliance - XXXX HPML Threshold Test Non-Compliant: XXXX Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Loan. [2] State Compliance - XXXX Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely): XXXX Mortgage Lending Regulations: Disclosure on responsibility for payment of taxes and insurance not provided to borrower within ten (10) business days of application or three (3) business days prior to closing. [2] State Compliance - XXXX Ability to Repay Not Verified: XXXX SB270: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (8304) |
State Compliance - (State HPML Disclosure) XXXX Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided): Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. State Compliance - XXXX HPML Threshold Test Non-Compliant: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Loan. State Compliance - XXXX Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely): Disclosure on responsibility for payment of taxes and insurance not provided to borrower within ten (10) business days of application or three (3) business days prior to closing. State Compliance - XXXX Ability to Repay Not Verified: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate, if applicable. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Homeownership Counseling List not provided. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: The file is missing a valid valid Change of Circumstance for the increase in Discount Points. Insufficient or no cure was provided to the borrower. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The file is missing a valid valid Change of Circumstance for the increase in Discount Points. Insufficient or no cure was provided to the borrower. |
Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. State Compliance - (State HPML Disclosure) XXXX Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided): Any licensee that violations the Regulations will be subject to the penalty provisions under the Lender Law. For willful violations, any person who violates any Regulation is guilty of a felony and on conviction is subject to a fine not exceeding $XXX.XX000 or imprisonment not exceeding 10 years, or both. Additionally, the Commissioner has the authority to suspend or revoke any license for failure to comply with the Regulations. Finally, the Commissioner may also order the licensee to cease and desist from a specific activity, or permanently stop doing business in the State of XXXX. State Compliance - XXXX Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely): Assignee liability is unclear. State Compliance - XXXX Ability to Repay Not Verified: No express provisions for assignee liability Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000775 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: SEVERE STORMS AND FLOODING Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX |
3 | [3] Value Discrepancy - Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53: Note Date: XX/XX/XXXX; Lien Position: 2 | 3 | [3] State Compliance - (State HPML Provision) XXXX Higher-Priced Mortgage Loan (Loan Exceeds HPML Thresholds and failed One or More Federal HPML Provisions Making Loan a Non-Compliant MA HPML - Refer to Federal HPML Exceptions for more details): XXXX Higher-Priced Mortgage Loan: Federal HPML Not Compliant. Refer to failed messages for Federal HPML for more details. [3] State Compliance - XXXX HPML Threshold Test Non-Compliant: XXXX Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX% Non-Compliant Higher Priced Loan. [3] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX,XXX.XX is over disclosed by $XXX,XXX.XX compared to the calculated Amount Financed of $XXX,XXX.XX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) |
Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Amount Financed disclosed is $XXX,XXX.XX . Calculated amount financed is $XXX,XXX.XX . Variance of $XXX,XXX.XX . Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance Charge disclosed is $XXX,XXX.XX . Calculated finance charge is $XXX,XXX.XX . Variance of $XXX,XXX.XX . Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Title - Recording Service Fee was last disclosed as $XXX,XXX.XX on LE but disclosed as $XXX,XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file |
State Compliance - (State HPML Provision) XXXX Higher-Priced Mortgage Loan (Loan Exceeds HPML Thresholds and failed One or More Federal HPML Provisions Making Loan a Non-Compliant MA HPML - Refer to Federal HPML Exceptions for more details): Appears to be only general liability under MA TILA, however, note that MA HOEPA liability may also attach. Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
State - NC | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000776 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODNG Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX |
The property is in a FEMA disaster area. Provide a satisfactory post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX (Severe Storms, Tornadoes, Straight-Line Winds and Flooding) Declared Disaster End Date. | 3 | [3] Value Discrepancy - Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53: Note Date: XX/XX/XXXX; Lien Position: 2 | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. | 2 | [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |
Federal Compliance - Federal HPML 2014 Non Compliant: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide List of Homeownership Counseling Organizations to borrower. Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: Safe Harbor requirements not satisfied due to no physical interior inspection completed. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |
Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000777 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized. The supporting secondary valuation is missing. Sec ID: 126: Note Date: XX/XX/XXXX; Lien Position: 2 | Secondary valuation is missing. | 2 | [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. [2] Federal Compliance - TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed (FinXX/XX/XXXX) [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX) [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7200) |
Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: Interior appraisal is missing causing this exception to generate. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): Interior appraisal is missing causing this exception to generate. Federal Compliance - TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments: Please override. There is no escrow account because it was declined. Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Loan estimate is required to be delivered to borrower within 4 business days prior to closing. Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Loan estimate is required to be delivered to borrower within 4 business days prior to closing. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid change of circumstance or sufficient cure is required. |
Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000782 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 2 | 2 | [2] Miscellaneous - Credit Exception: [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |
The Note signature of Debtor only reflects 1 LLC vs. the DOT signature which reflects 2 LLC's. Provide the 12 month VOM for both borrower's primary residence. |
BUYER - GENERAL COMMENT (2022-09-22): The request for an exception to XXXX eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - DSCR > 1.3 REVIEWER - WAIVED COMMENT (2022-09-23): Client elects to waive with verified compensation factors BUYER - GENERAL COMMENT (2022-09-22): The request for an exception to XXXX eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - DSCR > 1.3 REVIEWER - WAIVED COMMENT (2022-09-23): Client elects to waive with verified compensation factors |
1 | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
- | B | A | B | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000784 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (8304) | REVIEWER - CURED COMMENT (2021-10-01): Sufficient Cure Provided At Closing | - | A | A | A | A | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000783 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Non QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure AP Table First Change: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 11,419.98 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Construction Permanent: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual toatal payment for the loan. (ProjSeq:1/1838329) [2] Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclouse Amount of Non-Escrowed Property Costs over Year 1 (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/1838329) [2] Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether property taxes are included in escrow. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX) |
Federal Compliance - TRID Final Closing Disclosure AP Table First Change: Adjustable payment Table is verified. Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: Verified Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: The final CD shows that the taxes and insurance are going to be escrowed, as reflected on pages 1 and 4, however page 2 doesn’t show any escrow amounts. Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: The final CD shows that the taxes and insurance are going to be escrowed, as reflected on pages 1 and 4, however page 2 doesn’t show any escrow amounts. Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: The final CD shows that the taxes and insurance are going to be escrowed, as reflected on pages 1 and 4, however page 2 doesn’t show any escrow amounts. |
REVIEWER - WAIVED COMMENT (2022-01-19): Client elects to waive REVIEWER - WAIVED COMMENT (2022-01-19): Client elects to waive REVIEWER - WAIVED COMMENT (2022-01-19): Client elects to waive REVIEWER - WAIVED COMMENT (2022-01-19): Client elects to waive REVIEWER - WAIVED COMMENT (2022-01-19): Client elects to waive REVIEWER - WAIVED COMMENT (2022-01-19): Client elects to waive REVIEWER - WAIVED COMMENT (2022-01-19): Client elects to waive REVIEWER - WAIVED COMMENT (2022-01-19): Client elects to waive REVIEWER - WAIVED COMMENT (2022-01-19): Client elects to waive REVIEWER - WAIVED COMMENT (2022-01-19): Client elects to waive REVIEWER - WAIVED COMMENT (2022-01-19): Client elects to waive |
Federal Compliance - TRID Final Closing Disclosure AP Table First Change: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Construction Permanent: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Construction Permanent: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000789 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 3 | [3] Closing / Title - Title: Evidence of title is missing [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Closing / Title - (Doc Error) HUD Error: Disbursement date is blank. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date ofXX/XX/XXXX which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. [2] Missing Document - Initial TIL not provided [2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than X.XX%: Truth In Lending Act: Final TIL APR of X.XX% is overdisclosed from calculated APR ofX.XX% outside of X.XX% tolerance. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Unable to test rescission due to missing information. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |
Closing / Title - (Doc Error) HUD Error: Disbursement date is blank.: Trailing document HUD, is dated and signed the same date as the Note, does not contain a disbursement date or prepaid interest date Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Federal Compliance - Notice of Right to Cancel Missing: Missing documentation to determine the occupancy and purpose therefore compliance review defaulted to owner occupied/cash out refinance. Federal Compliance - Final TIL Estimated: The 'When payments are due" section are marked (e) |
Missing Document - Initial TIL not provided: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than X.XX%: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Tested | TR Tested | C | C | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000790 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000786 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000787 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000788 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000785 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
Yes | TR HUD Deficiency | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000604 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 1 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000072 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | ATR Fail | 3 | 3 | [3] Asset Documentation - Asset documentation requirements not met. [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] Income Documentation - Income documentation requirements not met. [2] Guideline Issue - Due diligence review based on non-origination guidelines (i.e. aggregator, seller). [1] Application / Processing - Missing Document: Missing Final 1003 |
Unable to determine loan requirements due to missing guidelines. Unable to determine loan requirements due to missing guidelines. Unable to determine loan requirements due to missing guidelines. |
1 | 3 | [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - General Ability To Repay Provision Income and Assets - P&L Statement Only Guidelines Third Party Preparation Requirement not met: Ability to Repay (Dodd-Frank 2014): P&L Statement(s) used to qualify were not prepared by a third party. (XXXX Child/P&L Statement Only) [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: X.XX%, LTV/CLTV: 8X.XX%/8X.XX%, Credit Score: 598, Occupancy: Primary, Purpose: Refinance, Cash-out - Other [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [3] Federal Compliance - Other Income - Not to be used for qualifying: Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXXX Child/P&L Statement Only) [3] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM. Due Diligence Loan Designation is ATR Fail. [2] State Compliance - DC Mortgage Disclosure Amendment Act of 2007 (Mortgage Disclosure Not Provided Timely): DC Mortgage Disclosure Amendment Act of 2007: Mortgage Disclosure not provided to borrower within three (3) business days of application. |
Federal Compliance - General Ability To Repay Provision Income and Assets - P&L Statement Only Guidelines Third Party Preparation Requirement not met: The P&L Statement was prepared by the Borrower. Guidelines were not provided. Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Guidelines not required Federal Compliance - General Ability To Repay Provision Investor Guidelines: loan failing one or more guideline components, the loan is at ATR risk. Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Unable to determine loan requirements due to missing guidelines. State Compliance - DC Mortgage Disclosure Amendment Act of 2007 (Mortgage Disclosure Not Provided Timely): Mortgage Disclosure not provided to borrower within three (3) business days of application. |
Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - Unknown Loan Designation Test: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. State Compliance - DC Mortgage Disclosure Amendment Act of 2007 (Mortgage Disclosure Not Provided Timely): There is no Assignee Liability or validity of loan issues for a violation of the Act. |
TILA ATR/QM | C | C | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000608 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
1 | 1 | - | C | A | A | C | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000609 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | The appraisal was made subject to an inspection of the water in the basement. While this inspection was completed and is documented in the file, the appraisal is required to be made as-is once complete via 1004D/442. The appraisal update was missing from the file. | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7520) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7200) |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report fee was last disclosed as $XXX,XXX.XX on the Loan Estimate, but was disclosed as $XXX,XXX.XX on the Final Closing Disclosure. No valid COC was in the file for this change, and the cure of $XXX,XXX.XX on the final CD is insufficient to cure all fee violations totaling $XXX,XXX.XX. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal fee was last disclosed as $XXX,XXX.XX on the Loan Estimate, but was disclosed as $XXX,XXX.XX on the Final Closing Disclosure. No valid COC was in the file for this change, and the cure of $XXX,XXX.XX on the final CD is insufficient to cure all fee violations totaling $XXX,XXX.XX. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points were last disclosed as $XXX,XXX.XX on the Loan Estimate, but were disclosed as $XXX,XXX.XX on the Final Closing Disclosure. No valid COC was in the file for this change, and the cure of $XXX,XXX.XX on the final CD is insufficient to cure all fee violations totaling $XXX,XXX.XX. |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | C | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000606 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. [2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000752 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Kindly provide a revised final CD or a changed circumstance to validate the same. | - | A | B | A | B | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000745 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000747 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000749 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
Missing Mortgage Insurance Certification. | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. [2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2487933) [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure XX/XX/XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2487934) |
Federal Compliance - Check Loan Designation Match - QM: The file is missing the required mortgage insurance certificate, causing the loan to waterfall through the QM Testing. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The loan file does not contain evidence that the borrower received a copy of the appraisal. Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Disclosure signed at closing with no evidence of Notice receipt at least 3 days prior to closing. Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: The file is missing the required mortgage insurance certificate, causing the loan to waterfall through the QM Testing. Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: Seller's final CD contained fees not reflected on the consumer's CD. Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: The file is missing the required mortgage insurance certificate, causing the loan to waterfall through the QM Testing. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Liability for violations cannot be transferred to a subsequent purchaser of a loan. Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000751 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: File is missing evidence of receipt for appraisal report dated XX/XX/XXXX three business days prior to consummation. | - | A | B | A | B | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000746 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000750 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement [3] Loan File - Missing Document: Hazard Insurance Policy not provided |
1 | 2 | [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (InterXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment - Fixed Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 1 that does not match the actual maximum payment for the loan. (ProjSeq:1/2482435) [2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InterXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (8304) |
Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Issue Date Not Provided. Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Issue Date Not Provided. Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment - Fixed Rate: Final Closing Disclosure provided on XX/XX/XXXX disclosed a maximum periodic principal and interest payment for payment stream 1 that does not match the actual maximum payment for the loan. Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Kindly provide a revised final CD or a changed circumstance to validate the same. |
Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000748 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] Application / Processing - Missing Document: AUS not provided [3] Loan File - Missing Document: Hazard Insurance Policy not provided |
1008 reflects the loan was approved with an AUS, which is missing from the file. | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. [2] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |
Federal Compliance - Check Loan Designation Match - QM: The loan is missing the AUS, causing the loan to waterfall through the QM Testing. | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $XXX.XX00, in the case of an individual transaction, or the lesser of $XXX.XX,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $XXX.XX00,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000779 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: Guidelines are required. | UTD | Indeterminable | A | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000780 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: Guidelines are required. | UTD | Indeterminable | A | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000800 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2639235) [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2639236) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Review Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7712) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7522) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7520) |
Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Data Captured as per final Closing Disclosure as of 4/4/2023 Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: Data Captured as per final Closing Disclosure as of 4/4/2023 Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee was disclosed on initial Loan estimate as $XXX.XX but disclosed but final Closing Disclosure $XXX,XXX.XXile does not contain a valid COC for this fee, nor evidence of cure is provided in file. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Tax Review Fee was disclosed on initial Loan estimate as $XXX.XXut disclosed but final Closing Disclosure $XXX,XXX.XXile does not contain a valid COC for this fee, nor evidence of cure is provided in file. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Document Preparation Fee was disclosed on initial Loan estimate as $XXX.XXut disclosed but final Closing Disclosure $XXX,XXX.XXile does not contain a valid COC for this fee, nor evidence of cure is provided in file. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report Fee was disclosed on initial Loan estimate as $XXX.XXbut disclosed but final Closing Disclosure $XXX,XXX.XXile does not contain a valid COC for this fee, nor evidence of cure is provided in file. |
Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000802 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): XXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000803 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000804 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000805 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
REVIEWER - GENERAL COMMENT (2025-01-22): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000807 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
REVIEWER - GENERAL COMMENT (2025-01-22): HUD provided not signed or stamped. Exception remains. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Yes | TR HUD Deficiency | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000808 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000801 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance not provided.: GFE Date: XX/XX/XXXX Changed Circumstance not provided for GFE dated XX/XX/XXXX from GFE dated XX/XX/XXXX |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence that borrower received a copy of appraisal 3 business days to closing. | - | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000806 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
The AUS required 30% standard MI coverage. A mortgage insurance certificate evidencing coverage is missing. The subject property is located in a FEMA Disaster area. Require a post-disaster inspection verifying there was no damage to the subject property. Mortgage Insurance document is missing in file. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - Overtime Bonus Declining: Qualified Mortgage (Dodd-Frank 2014): Use of continual decline in income for Overtime/Bonus not justified or documented. (XXXX/Overtime) [3] Federal Compliance - Overtime Bonus Method of Calculation: Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. (XXXX/Overtime) [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX /14593031) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Environmental Inspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7705) [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2658934) [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2658933) [1] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX/XXXX) |
Federal Compliance - Check Loan Designation Match - QM: Evidence of AUS required MI coverage of at least 30% is missing which caused the loan to revert to QM requirements. Federal Compliance - Overtime Bonus Declining: Evidence of AUS required MI coverage of at least 30% is missing which caused the loan to revert to QM requirements. Federal Compliance - Overtime Bonus Method of Calculation: Evidence of AUS required MI coverage of at least 30% is missing which caused the loan to revert to QM requirements. Federal Compliance - QM DTI: Evidence of AUS required MI coverage of at least 30% is missing which caused the loan to revert to QM requirements. Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Evidence of AUS required MI coverage of at least 30% is missing which caused the loan to revert to QM requirements. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: None of the copies of the initial Closing Disclosure in file are signed/dated; therefore, the "mailbox rule" is assumed and the presumed delivery date would not have been at least 3 business days prior to consummation. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Environmental Inspection Fee was disclosed on initial Loan estimate as $XXX.XXut disclosed but final Closing Disclosure $XXX,XXX.XXile does not contain a valid COC for this fee, nor evidence of cure is provided in file. Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test: Payment have been correctly captured. |
REVIEWER - CURED COMMENT (2024-12-19): Sufficient Cure Provided At Closing REVIEWER - CURED COMMENT (2024-12-19): Sufficient Cure Provided At Closing REVIEWER - CURED COMMENT (2024-12-19): Sufficient Cure Provided At Closing |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000791 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000607 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] State Compliance - Mississippi Late Charge Percent and Amount Testing > $XXX.XX,000: Mississippi Late Charge: Note late charge of X.XX% exceeds state maximum of 4% or $XXX.XXwhichever is greater. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |
Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000605 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000792 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> | 2 | [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. |
Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000809 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Risk | 3 | 3 | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. [1] Application / Processing - FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.: Disaster Name: WILDFIRES AND STRAIGHT-LINE WINDS Disaster Declaration Date: XX/XX/XXXX |
3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay Provision Non QM DTI moderately exceeds Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the 1026.43(c)(5) of X.XX% moderately exceeds the guideline maximum of X.XX%. (DTI Exception is eligible to be regraded with compensating factors.) [3] Federal Compliance - Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXXX/Partnership) [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXXX/14785048) [3] Miscellaneous Compliance - Self Employed Years on Job: Qualified Mortgage (Dodd-Frank 2014): Minimum length of time for self-employment job or field requirement not met. (XXXX/Partnership) [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on XX/XX/XXXX did not disclose an accurate Index as reflected on the Note. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) |
Federal Compliance - Check Loan Designation Match - QM: There is no gap in between both the business employment Federal Compliance - Partnership Income Documentation Test: 1065 for XXXX required Federal Compliance - QM Employment History: There is no gap in between both the business employment Miscellaneous Compliance - Self Employed Years on Job: There is no gap in between both the business employment Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: There is no gap in between both the business employment Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Data captured as per closing disclosure as ofXX/XX/XXXX Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee was disclosed on initial Loan estimate as $XXX,XXX.XX but disclosed but final Closing Disclosure $XXX,XXX.XX. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | C | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000810 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 3 | 3 | [3] Application / Processing - Missing Document: AUS not provided [3] Credit Documentation - The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |
Provided is Refer with caution. Please provided updated AUS prior to closing with recommendation type should be approve eligible. Housing history is Not provided. Required VOR or VOM. |
3 | [3] Appraisal Documentation - Loan is to be securitized. Property Type is Manufactured and no secondary valuation was provided. Sec ID: 100: Note Date: XX/XX/XXXX; Lien Position: 1 | Secondary valuation is missing. | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:213XX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated total of payments of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7325) |
Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated total of payments of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan origination fee is increased from Initial Loan estimate dated XX/XX/XXXX to Final Loan Estimate dated XX/XX/XXXX. Amount change from $XXX.XX13 to $XXX.XX08, whereas we have provided COC is not regards to tolerance and change reason is Missing. Please provide the COC to cure the tolerance. |
Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000811 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
3 | [3] Appraisal Documentation - Loan is to be securitized. Property Type is Manufactured and no secondary valuation was provided. Sec ID: 100: Note Date: XX/XX/XXXX; Lien Position: 1 | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7726) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient cure or valid change of circumstance is required to cover the cure. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000812 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 3 | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | 1 | 1 | Borrower has verified disposable income of at least $XXX.XX. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX,XXX.XX. The qualifying DTI on the loan is less than or equal to 35%. The representative FICO score is above 680. |
- | C | A | A | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000813 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Guideline Issue - Due diligence review based on non-origination guidelines (i.e. aggregator, seller). | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower at least three business days prior to closing. |
Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000814 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 3 | 2 | [2] Guideline Issue - Due diligence review based on non-origination guidelines (i.e. aggregator, seller). | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Federal Compliance - Check Loan Designation Match - QM: Originator Loan Designation entered in reference to form 1003 does not match the calculated Due Diligence Loan Designation. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Valid change of circumstance or sufficient cure is missing. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid change of circumstance or sufficient cure is missing. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | B | C | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000815 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Guideline Issue - Due diligence review based on non-origination guidelines (i.e. aggregator, seller). | 1 | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal fee was disclosed on initial Loan estimate as $XXX.XX but disclosed but final Closing Disclosure $XXX,XXX.XXile does not contain a valid COC for this fee, nor evidence of cure is provided in file. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000753 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Risk | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds Guideline total debt ratio of X.XX%. [3] Closing / Title - Loan is not using the new FNMA Legal Documents. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
The loan has an LP result of caution/ineligible and the DTI exceeds the FHLMC guideline maximum allowable of 45%. Loan is not using Version 07/2021 or later FNMA Legal Documents. The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of X.XX% moderately exceeds the guideline maximum of X.XX%. (DTI Exception is eligible to be regraded with compensating factors.) |
Federal Compliance - Check Loan Designation Match - ATR Risk: The loan does not meet FHLMC AUS or guideline requirements. Federal Compliance - General Ability To Repay Provision Investor Guidelines: The loan does not meet FHLMC AUS or guideline requirements. Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: The loan has an LP result of caution/ineligible and the DTI exceeds the FHLMC guideline maximum allowable of 45%. |
Federal Compliance - Check Loan Designation Match - ATR Risk: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000754 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 1 | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | A 442 completions report is required and is missing. | 1 | - | A | A | C | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000817 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] Income Documentation - REO Documents are missing.: Address: XXXX, XX Insurance Verification [2] Guideline Issue - Due diligence review based on non-origination guidelines (i.e. aggregator, seller). [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX |
Insurance Verification is missing XXXX, XX The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |
1 | 1 | - | C | A | A | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000826 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX) [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (0) |
Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. |
REVIEWER - CURED COMMENT (2025-01-28): Sufficient Cure Provided At Closing | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000827 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7200) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal receipt was not provided to the borrower with in 3 business days to the note date. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points fee amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000828 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | HUD Safe Harbor QM | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. | - | A | B | D | D | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000756 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] Miscellaneous - Credit Exception: | Verified disclosed defect. This closed as an owner occupied property but records show the property is for rent. | REVIEWER - WAIVED COMMENT (2023-05-22): Client elects to down grade and waive using compensating factors Borrower has been employed with the same employer since 2004 LTV is X.XX%% $XXX,XXX.XX in reserves and $XXX.XX700 required |
1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXX.XX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1: The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXX.XX on page 4; however the annual , HOA is $XXX.XX annually. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXX,XXX.XX monthly. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. Application / Processing - Missing Document: Missing Lender's Initial 1003: In file documentation reflects the Application Date as XX/XX/XXXX, however the earliest date Loan Application in file is XX/XX/XXXX. Please provide initial Loan Application signed and dated XX/XX/XXXX. |
REVIEWER - WAIVED COMMENT (2023-05-22): Waive per client. | Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX,XXX.XX. |
- | B | B | A | B | ||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000818 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXX.XX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1: Amount of Non-Escrowed Property Costs over Year 1 of $XXX.XX on Final Closing Disclosure provide is not accurate to due to HOA dues of $XXX,XXX.XX reflected on the Appraisal provided. | Federal Compliance - TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000819 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000820 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] General - Missing Document: Verification of Non-US Citizen Status not provided | Missing drivers license and ITIN per guides. | REVIEWER - GENERAL COMMENT (2023-06-12): Tax Transcripts, Drivers License, US Patriot Act form signed, social security cards in file and validated at close, REVIEWER - GENERAL COMMENT (2023-06-14): Nothing provided to resolve, only final Title. SELLER - GENERAL COMMENT (2023-06-21): uploaded Passport and US Patriot Act form to Doc Acuity REVIEWER - GENERAL COMMENT (2023-06-22): Still missing ITIN and DL. REVIEWER - WAIVED COMMENT (2023-09-06): Client elects to downgrade based on compensating factors. |
1 | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of X.XX% of the Federal Total Loan Amount. Points and Fees total $XXX,XXX.XX on a Federal Total Loan Amount of $XXX,XXX.XX vs. an investor allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX or X.XX%). [2] State Compliance - XXXX Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): XXXX Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. |
State Compliance - XXXX Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): Compliant, no further action required. | State Compliance - XXXX Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): The secondary market purchase of a loan does not trigger coverage of the statute. | Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX,XXX.XX. |
- | B | B | A | B | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000823 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 1 | 1 | 1 | 1 | - | A | A | A | A | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000821 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 1 | 1 | 1 | 1 | - | A | A | A | A | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000825 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 1 | 1 | 1 | 1 | - | A | A | A | A | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000824 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 1 | 1 | 1 | 1 | - | A | A | A | A | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000822 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 1 | 1 | 1 | 1 | - | A | A | A | A | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000816 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000597 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000835 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Rate/Term | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX,XXX.XX does not match calculated P&I of $XXX,XXX.XX. Note P&I was used for the APR calculation and compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000714 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | The tape address on this loan does not match the loan documentation. The tape address is XXXX. The Security Instrument address is XXXX. | REVIEWER - GENERAL COMMENT (2024-09-30): Still missing documents for XXXX property. | 1 | UTD | Indeterminable | D | A | D | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000598 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Flood Certificate not provided | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] State Compliance - Vermont Interest Act - VT High Rate, High Point Disclosure Not Provided: Vermont Interest Act: Vermont Disclosure not provided to loan applicant. [2] State Compliance - Vermont Interest Act - Vermont High Rate, High Point Loan (Interest Rate and/or Points and Fees): Vermont Interest Act: Note Rate on subject loan of X.XX% is in excess of allowable threshold of Declared Rate X.XX% + 3%, or 9.00000, or Points on the loan of X.XX% exceed the allowable threshold of 4%. Non-Compliant Loan. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. State Compliance - Vermont Interest Act - VT High Rate, High Point Disclosure Not Provided: Neither Section 104 nor the Regulation provide specifically for assignee liability; however, given that Section 104 grants the Department authority to require any "lender", which term is undefined, to refund any discount points or other charges paid by a borrower who has not received the required disclosures, purchasers and assignees should exercise caution in purchasing such loans. Section 104 provides that the Department may impose an administrative penalty of not more than $XXX.XX00 on any person. In addition, the Department may order a lender to refund any discount points or other charges paid by a borrower. State Compliance - Vermont Interest Act - Vermont High Rate, High Point Loan (Interest Rate and/or Points and Fees): Neither Section 104 nor the Regulation provide specifically for assignee liability; however, given that Section 104 grants the Department authority to require any “lender”, which term is undefined, to refund any discount points or other charges paid by a borrower who has not received the required disclosures, purchasers and assignees should exercise caution in purchasing such loans. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000833 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [1] Application / Processing - Missing Document: Flood Certificate not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000830 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Government Documentation - FHA MIP Error (Borrower Paid):: Calculated Borrower paid FHA upfront premium of $XXX,XXX.XX does not match the mortgage insurance premium collected on the HUD-1 of $XXX,XXX.XX [3] Insurance Eligibility - MI Monthly Premium Amount documented in file does not match the Prepaid Mortgage Insurance Premium amount per month collected on the HUD. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [1] Federal Compliance - Notice of Special Flood Hazard Disclosure Missing: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. |
Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Notice of Special Flood Hazard Disclosure Missing: Liability for violations cannot be transferred to a subsequent purchaser of a loan. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000832 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Flood Certificate not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
Missing flood cert from origination. Current flood cert reflects subject is in special flood zone but map changedXX/XX/XXXX. Original appraisal indicated subject property was not in a flood zone. | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - (Missing Data) Flood Hazard Zone: Missing flood cert from origination. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000603 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000831 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Yes | TR Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000602 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000836 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [2] Appraisal Documentation - Incorrect Appraisal Form type: Appraisal Form 2055 w/ Interior used for incorrect Subject property type.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX Property Type: 2 Family; [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000599 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000834 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000829 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] State Compliance - XXXX Standard Prepayment Penalty SMLA: XXXX Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants) [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000592 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: Loan is DSCR for which guidelines are required. | UTD | Indeterminable | A | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001199 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Application / Processing - Missing Document: Note Addendum - Prepayment not provided [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: RTC Signature Date is missing | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001200 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001202 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001203 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001204 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Missing: Unable to test HELOC Agreement due to missing information. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Unable to test billing rights due to missing information. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - Credit Agreement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001205 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Closing / Title - (Doc Error) HUD Error: First change date on page 3 of the final HUD was not provided. [2] State Compliance - XXXX Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: XXXX Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 3%. [2] State Compliance - XXXX Mortgage Lender and Broker Regulation (Ability to Repay not Verified): XXXX Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable [2] State Compliance - XXXX MLBR (Missing Data) Document Type Not Provided: XXXX Mortgage Lender and Broker Regulations: Unable to determine if the borrower was required to provide a signed statement disclosing their income due to missing document type. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA (2010) - Prepayment Penalty Information on GFE Inaccurate: RESPA (2010): GFE indicates no prepayment penalty for loan containing prepayment penalty. [2] Federal Compliance - RESPA (2010) - Prepayment Penalty Information on Final HUD-1 Inaccurate: RESPA (2010): Final HUD-1 indicates no prepayment penalty for loan containing prepayment penalty. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
State Compliance - XXXX Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the XXXX unfair and deceptive acts and practices statute. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Prepayment Penalty Information on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Prepayment Penalty Information on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001163 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: File missing critical docs needed for review. Please provide full Credit and Closing packages. | SELLER - GENERAL COMMENT (2021-08-23): Trailing documents provided REVIEWER - GENERAL COMMENT (2021-08-23): The trailing documents provided were the same documents in the original image package. Unable to review until complete credit and closing packages are provided. |
UTD | Indeterminable | A | D | A | D | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001006 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | ATR Fail | 3 | 3 | [3] Credit Report - Borrower has less than 2 FICO scores: Credit Report: Original // Borrower: XXXX, Credit Report: Original // Borrower: XXXX [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Income Documentation - Income Docs Missing:: Borrower: XXXX 4506-T (XXXX), 4506-T (XXXX), W-2 (XXXX), W-2 (XXXX) [3] General - Initial Rate Lock rate date is not documented in file. [3] Application / Processing - Missing Document: Approval not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Application / Processing - Missing Document: Note - Senior Lien not provided [3] Application / Processing - Missing Document: Other not provided |
Credit report only provided 1 fico score for the borrower. Missing 2nd Lien First Payment Letter and 2nd lien Note – reflecting XXXX servicing address: XXXX Attn: Payment Processing P.O. Box XXXX XXXX, XX XXXXX, XXXX Agency Secondary Financing Disclosure, XXXX Agency Letter from the President, XXXX Agency Quality Control Release form and Notice of Transfer of Servicing for 2nd Lien. |
3 | [3] Appraisal Data Integrity - Hybrid Appraisal valuation product only qualifies as an acceptable first (Primary) product for second liens if there is an interior view to the property.: Valuation Type: Hybrid Appraisal / Valuation Report Date: XX/XX/XXXX | 3 | [3] Federal Compliance - General Ability To Repay Provision Mortgage-Related Obligations: Ability to Repay (Dodd-Frank 2014): Mortgage-related obligations not considered in loan qualification. [3] Federal Compliance - No DTI Provided: Qualified Mortgage (Dodd-Frank 2014): No debt to income ratio (or a negative or zero ratio) was provided to demonstrate ability to repay. [3] Federal Compliance - Overtime Bonus Declining: Qualified Mortgage (Dodd-Frank 2014): Use of continual decline in income for Overtime/Bonus not justified or documented. (XXXX/Overtime) [3] Federal Compliance - Overtime Bonus Method of Calculation: Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. (XXXX/Overtime) [3] Federal Compliance - QM DTI: Unable to determine compliance with QM Total Debt Ratio requirements due to missing QM Total Debt Ratio information. [3] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM. Due Diligence Loan Designation is ATR Fail. [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] State Compliance - (State HPML) XXXX Subprime (APR Exceeds Subprime Threshold): XXXX Subprime Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of USTreasury X.XX% + 5%, or X.XX%. Compliant Subprime Loan. [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 4,617.60 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Recording Fee Total. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (8202) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7571) |
Federal Compliance - General Ability To Repay Provision Mortgage-Related Obligations: Missing proof of current property taxes on subject property. Federal Compliance - No DTI Provided: Missing guidelines Federal Compliance - Overtime Bonus Declining: Missing complete WVOE with two year breakdown of base and overtime income. Federal Compliance - Overtime Bonus Method of Calculation: Missing complete WVOE with two year breakdown of base and overtime income. Federal Compliance - QM DTI: Missing guidelines Federal Compliance - Unknown Loan Designation Test: Loan designation not provided. Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: Safe Harbor requirements not satisfied. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): Appraisal not obtained by physical visit to property. Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test: Missing annual tax information. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Missing initial CD. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Fees increased without a valid COC, insufficient cure provided. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fees increased without a valid COC, insufficient cure provided. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fees increased without a valid COC, insufficient cure provided. |
Federal Compliance - General Ability To Repay Provision Mortgage-Related Obligations: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - Unknown Loan Designation Test: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. State Compliance - (State HPML) XXXX Subprime (APR Exceeds Subprime Threshold): Assignee liability is unclear. Purchasers and assignees of XXXX mortgage loans would not appear to be liable for violations of the Act. However, effective 8/1/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | D | C | C | D | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001147 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | ATR Fail | 3 | 3 | [3] Asset Documentation - Asset documentation requirements not met. [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Income Documentation - Income Docs Missing:: Borrower: XXXX, Borrower: XXXX 4506-T (2012), 4506-T (2013) 4506-T (2012), 4506-T (2013) [3] Income Documentation - Income documentation requirements not met. [3] General - Initial Rate Lock rate date is not documented in file. [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Application / Processing - Missing Document: AUS not provided [3] Credit Documentation - Missing Document: Credit Report not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Application / Processing - Missing Document: Note - Senior Lien not provided [3] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX [3] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX [3] Mortgage / Program Eligibility - Transaction Error: Outstanding liens were not paid at closing. [3] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX [3] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX [2] Guideline Issue - Due diligence review based on non-origination guidelines (i.e. aggregator, seller). [1] Application / Processing - Missing Document: Missing Final 1003 |
Please provide all asset documentation in accordance with Guidelines requirements. Missing AUS from file. Please provide applicable Guidelines for the loan program. Please provide all income documentation in accordance with Guidelines requirements. Please provide all income documentation in accordance with Guidelines requirements. Please provide all HUDs and mortgage pay-offs for all liens and debt being paid at close. |
1 | 3 | [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - General Ability To Repay Provision Credit History: Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. [3] Federal Compliance - General Ability To Repay Provision Employment - W-2: Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXXX/Wages) [3] Federal Compliance - General Ability To Repay Provision Employment - W-2: Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXXX/Wages) [3] Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Ability to Repay (Dodd-Frank 2014): Unable to verity income due to, missing the most recent W2. (XXXX/Wages) [3] Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Ability to Repay (Dodd-Frank 2014): Unable to verity income due to, missing the most recent W2. (XXXX/Wages) [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: X.XX%, LTV/CLTV: X.XX%/1X.XX%%, Credit Score: , Occupancy: Primary, Purpose: Refinance, Rate/Term [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - QM Required Credit Report Not Provided to Evidence Debts: Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (XXXX/11684479) [3] Federal Compliance - QM Required Credit Report Not Provided to Evidence Debts: Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (XXXX/11684478) [3] Federal Compliance - Social Security Documentation: Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. (Plaza,Jesse (employer unknown)/Social Security) [3] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM. Due Diligence Loan Designation is ATR Fail. [3] Federal Compliance - Wages Documentation: Qualified Mortgage (Dodd-Frank 2014): Unable to verity income due to, missing the most recent W2. (XXXX/Wages) [3] Federal Compliance - Wages Documentation: Qualified Mortgage (Dodd-Frank 2014): Unable to verity income due to, missing the most recent W2. (XXXX/Wages) [2] Miscellaneous Compliance - Alternate source used for application date [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing [2] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXX/11684479) [2] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXX/11684478) [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Loan Term on Final GFE Inaccurate: RESPA (2010): Loan Term on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Missing Investor Guideline Qualifying Total Debt Ratio to determine general ability to repay. Federal Compliance - General Ability To Repay Provision Credit History: Credit Report missing from file to verify debt obligations. Federal Compliance - General Ability To Repay Provision Employment - W-2: Missing most recent paystubs and W-2s for current employment to verify income and employment. Federal Compliance - General Ability To Repay Provision Employment - W-2: Missing most recent paystubs and W-2s for current employment to verify income and employment. Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Missing most recent paystubs and W-2s for current employment to verify income and employment. Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Missing most recent paystubs and W-2s for current employment to verify income and employment. Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Missing Investor Guideline Qualifying Total Debt Ratio to determine general ability to repay. Federal Compliance - General Ability To Repay Provision Investor Guidelines: Please provide Approval/Guidelines, as well as income and asset documentation, to verify loan meets required perimeters and testing can be completed. Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Please provide all income asset documentation in accordance with Guidelines requirements. Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Final HUD-1 missing from file. Federal Compliance - QM DTI: Total Debt to Income Ratio exceeds maximum threshold of 43%. Federal Compliance - QM Required Credit Report Not Provided to Evidence Debts: Credit Report missing from file to verify debt obligations. Federal Compliance - QM Required Credit Report Not Provided to Evidence Debts: Credit Report missing from file to verify debt obligations. Federal Compliance - Social Security Documentation: Missing Award Letter / Continuance Letter for Social Security. Federal Compliance - Unknown Loan Designation Test: Please provide Loan Designation used at origination. Federal Compliance - Wages Documentation: Missing most recent paystubs and W-2s for current employment to verify income and employment. Please provide Approval/Guidelines to verify loan meets required perimeters and documentation. Federal Compliance - Wages Documentation: Missing most recent paystubs and W-2s for current employment to verify income and employment. Please provide Approval/Guidelines to verify loan meets required perimeters and documentation. Federal Compliance - Disbursement Date Missing: Final HUD-1 missing from file. Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing: Please provide all Good Faith Estimates evidencing they are compliant with delivery requirements. Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Missing most recent paystubs and W-2s for current employment to verify income and employment. Please provide Approval/Guidelines to verify loan meets required perimeters and documentation. Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Missing most recent paystubs and W-2s for current employment to verify income and employment. Please provide Approval/Guidelines to verify loan meets required perimeters and documentation. Federal Compliance - (Missing Data) Last Rate Set Date: Rate Set Date Not Provided Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: GFE does not provide minimum ten business day availability for estimate of charges. Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: Final HUD-1 missing from file. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: Final HUD-1 missing from file. Federal Compliance - RESPA (2010) - Loan Term on Final GFE Inaccurate: Final HUD-1 missing from file. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: Final HUD-1 missing from file. Federal Compliance - Notice of Right to Cancel Missing: Please provide an H-9, Right to Cancel executed by all borrowers. |
Federal Compliance - General Ability To Repay Provision Credit History: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - General Ability To Repay Provision Employment - W-2: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - General Ability To Repay Provision Employment - W-2: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - General Ability To Repay Provision Income and Assets - Wages: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - Unknown Loan Designation Test: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Term on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
Yes | TILA ATR/QM | D | D | A | D | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000838 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: File is missing core documents. Note for 1st and 2nd Note, Final and/or initial 1003. Title Final or Title Preliminary. HUD-1 or Closing Disclosure. Initial Loan Estimate. Upon file review other exceptions may apply. | UTD | Indeterminable | A | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000852 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met | File is missing all LE's, CD's and application for the 2nd mortgage as required by lender guides. | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - TRID Closing Disclosure Status Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX,XXX.XX may be required. |
Federal Compliance - Check Loan Designation Match - QM: Indications in the file reflect loan was Safe Harbor, however debt ratio exceeds 43%. Other evidence of the lender's loan designation was not provided. Federal Compliance - QM DTI: Indications in the file reflect loan was Safe Harbor, however debt ratio exceeds 43%. Other evidence of the lender's loan designation was not provided. Federal Compliance - TRID Closing Disclosure Status Test: Missing final Closing Disclosure issued for DPA loan. The only CDs provided pertain to the 1st lien. Federal Compliance - Disbursement Date Missing: Missing final Closing Disclosure issued for DPA loan. The only CDs provided pertain to the 1st lien. Federal Compliance - ECOA Appraisal Disclosure - ECOA Status: Missing initial LE or separate disclosure of right to receive copy of appraisal issued within 3 business days of application date. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: The disclosure is dated XX/XX/XXXX, which is more than 3 business days after the application date (XX/XX/XXXX). Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: Missing final Loan Estimate issued for DPA loan. The only LEs provided pertain to the 1st lien. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - TRID Closing Disclosure Status Test: High Cost or Anti-Predatory Lending Testing impact, therefore no SOL considerations. For TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TILA ATR/QM | C | C | A | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001070 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of X.XX% exceeds Guideline combined loan to value percentage of X.XX%. [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Loan File - Missing Document: Hazard Insurance Policy not provided [3] Application / Processing - Missing Document: Note - Senior Lien not provided [3] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided [3] Credit Documentation - Purchase contract date not provided. [2] General - Unable to Determine if Subject Property is Real Estate Owned due to missing Appraisal and Title documentation. [1] Application / Processing - Missing Document: Flood Certificate not provided [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
An Appraisal is required and is missing. The guidelines require an Appraisal which is missing. Purchase Agreement / Sales Contract and Appraisal not provided. |
REVIEWER - GENERAL COMMENT (2024-05-07): High Cost testing not complete - Premium and terms were not documented in file | 3 | [3] Appraisal Documentation - Loan is to be securitized. Appraisal and secondary valuation are missing. Sec ID: 4: Note Date: XX/XX/XXXX; Lien Position: 2 | 1 | - | D | A | D | D | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000968 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: Missing Note, Deed, HUD, Application, Approval, Title and Valuation | UTD | Indeterminable | A | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000964 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | ATR Risk | 3 | 3 | [3] Asset Documentation - Guideline Issue: Insufficient asset documentation.: Financial Institution: XXXX / End Date: XX/XX/XXXX // Account Type: Checking / Account Number: XXXX, Financial Institution: XXXX / End Date: XX/XX/XXXX // Account Type: Savings / Account Number: XXXX [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 10X.XX% exceeds Guideline total debt ratio of X.XX%. [3] Application / Processing - Missing Document: Note - Senior Lien not provided |
Only 1 month asset statements provided. Ability to Repay Loan Summary shows loan was originated with 10X.XX% DTI |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 10X.XX%, LTV/CLTV: X.XX%/X.XX%, Credit Score: 604, Occupancy: Primary, Purpose: Refinance, Rate/Term [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. |
Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay Loan Summary shows loan was originated on Non-QM. Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: File failed review for DTI waterfalled to ATR/QM Requirements Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Ability to Repay Loan Summary shows loan was originated with 10X.XX% DTI. Federal Compliance - General Ability To Repay Provision Investor Guidelines: Loan exceeds 43% DTI. |
Federal Compliance - Check Loan Designation Match - ATR Risk: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |
TILA ATR/QM | D | C | A | D | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001125 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: The file is missing one or more of the core documents required for a review. Please provide a Note, Security Instrument, initial 1003, final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, final Title, and all issued LE's and CD's. | UTD | Indeterminable | A | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001149 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized. The supporting secondary valuation is missing. Sec ID: 56: Note Date: XX/XX/XXXX; Lien Position: 2 | The file is missing a copy of the secondary valuation. | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List of Homeownership Counseling Organization not provided. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | A | B | A | B | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000889 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized. The supporting secondary valuation is missing. Sec ID: 126: Note Date: XX/XX/XXXX; Lien Position: 2 | Loan is to be securitized. BPO (2055 Exterior Only) was provided. Missing Secondary Valuation. | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide List of Homeownership Counseling Organizations to borrower. Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | A | B | A | B | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000881 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Homeownership Counseling List is missing. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001177 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of X.XX% exceeds Guideline combined loan to value percentage of X.XX%. [3] Application / Processing - Missing Document: Note - Senior Lien not provided [2] Guideline Issue - Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |
Calculated combined loan to value percentage of X.XX% exceeds Guideline combined loan to value percentage of X.XX%. Note document for senior lien of subject property is missing in file. |
1 | 2 | [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. | - | D | B | A | D | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001170 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | ATR Risk | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 0.15 is less than Guideline PITIA months reserves of 3.00. [3] General - Initial Rate Lock rate date is not documented in file. [3] Income Documentation - Verification(s) of employment is not within 10 calendar days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX [2] Guideline Issue - Due diligence review based on non-origination guidelines (i.e. aggregator, seller). [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODNG Disaster Declaration Date: XX/XX/XXXX |
Provided verification of employment is not within 10 calendar days of the note date. Client provided Non QM guides for review The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX,XXX.XX does not match calculated P&I of $XXX,XXX.XX. Note P&I was used for the APR calculation and compliance testing. [2] Federal Compliance - TILA NMLSR - Missing NMLS Information on 1003: Truth in Lending Act (NMLSR Dodd- Frank 2014): NMLSR information not present on loan application. [2] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. [2] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Federal Compliance - Check Loan Designation Match - ATR Risk: ATR failure due to provided verification of employment is not within 10 calendar days of the note date. Federal Compliance - General Ability To Repay Provision Investor Guidelines: ATR failure due to provided verification of employment is not within 10 calendar days of the note date. Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Provided note document and closing disclosure P&I of $XXX,XXX.XX does not match with the calculated P&I of $XXX,XXX.XX. Federal Compliance - TILA NMLSR - Missing NMLS Information on 1003: No NMLS match for LO. Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: No NMLS match for LO. Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: No NMLS match for LO. |
Federal Compliance - Check Loan Designation Match - ATR Risk: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TILA NMLSR - Missing NMLS Information on 1003: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $XXX.XX00, in the case of an individual transaction, or the lesser of $XXX.XX,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $XXX.XX00,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $XXX.XX00, in the case of an individual transaction, or the lesser of $XXX.XX,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $XXX.XX00,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001000 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 3 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX Inspection Date: [1] Closing / Title - Final Title Policy is missing. No evidence of title was found in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date ofXX/XX/XXXX which is 1 months prior to consummation. A 7 month lookback was used to determine this application date. The final date used for testing was XX/XX/XXXX. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
REVIEWER - GENERAL COMMENT (2017-02-05): Confirmed Compliance test was completed using 6 month lookback | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001052 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | 3 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX Inspection Date: XX/XX/XXXX |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - Federal HELOC Fee Agreement Not Provided: Truth in Lending Act (HELOC): HELOC Fee Agreement Listing Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date ofXX/XX/XXXX which is 1 months prior to consummation. A 7 month lookback was used to determine this application date. The final date used for testing was 1/1/2010. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
REVIEWER - GENERAL COMMENT (2017-02-07): Unable to test for High Cost as stated in Column T REVIEWER - GENERAL COMMENT (2017-02-07): Event grade is a level 2 due to seasoning over 3 years and past the Statute of Limitations; HOPEA is not applicable on HELOC's |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Federal HELOC Fee Agreement Not Provided: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable (UAL State) | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001112 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] State Compliance - Texas Interest Rate > 10% Late Charge Percent Testing: Note late charge exceeds maximum per state. |
State Compliance - Texas Interest Rate > 10% Late Charge Percent Testing: Note late charge of $XXX.XXX.XX% exceeds the state (TX) maximum allowable of 5%. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000996 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001034 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] General - Initial Rate Lock rate date is not documented in file. [3] Application / Processing - Missing Valuation: |
Appraisal not provided. | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Underdisclosure due to DSI payment calculations causing a slight variance in Payment Stream. | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000905 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] General - Initial Rate Lock rate date is not documented in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Federal HPML 2009 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established): Federal Higher-Priced Mortgage Loan: Mandatory escrow account not established on 1st lien mortgage loan. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified): Federal Higher Priced Mortgage Loan: Borrower’s ability to repay not verified with reliable documentation. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |
Federal Compliance - Federal HPML 2009 Non Compliant: The loan file contains the following third-party documentation: 1) income/asset verification (pay stub.) 2) debts/liabilities verification and other mortgage obligations (credit report) 3) underwriting documentation/repayment ability analysis (approval). Although the aforementioned documents are in file, unable to conclusively ascertain compliance with HPML ability to repay provision. | Federal Compliance - Federal HPML 2009 Non Compliant: TILA HPML - Subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000972 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] General - Initial Rate Lock rate date is not documented in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] State Compliance - (State HPML Disclosure) XXXX Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided): XXXX Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. [2] State Compliance - XXXX HPML Threshold Test Non-Compliant: XXXX Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Loan. [2] State Compliance - XXXX Late Charge Percent and Amount Testing: Note late charge exceeds maximum per state. [2] State Compliance - XXXX Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided): XXXX Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. [2] State Compliance - XXXX Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): XXXX Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |
State Compliance - XXXX HPML Threshold Test Non-Compliant: § The loan file contains the following third-party documentation: 1) income/asset verification (paystubs) 2) debts/liabilities verification and other mortgage obligations (credit report) 3) underwriting documentation/repayment ability analysis (1008). Although the aforementioned documents are in file, unable to conclusively ascertain compliance with HPML ability to repay provision. State Compliance - XXXX Late Charge Percent and Amount Testing: 10% late charge exceeds 5% maximum for MD. |
State Compliance - (State HPML Disclosure) XXXX Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided): Any licensee that violations the Regulations will be subject to the penalty provisions under the Lender Law. For willful violations, any person who violates any Regulation is guilty of a felony and on conviction is subject to a fine not exceeding $XXX.XX000 or imprisonment not exceeding 10 years, or both. Additionally, the Commissioner has the authority to suspend or revoke any license for failure to comply with the Regulations. Finally, the Commissioner may also order the licensee to cease and desist from a specific activity, or permanently stop doing business in the State of XXXX. State Compliance - XXXX Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided): Assignee liability is unclear. State Compliance - XXXX Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Assignee liability is unclear. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000952 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 3 | [3] General - Initial Rate Lock rate date is not documented in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. | Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001019 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] General - Initial Rate Lock rate date is not documented in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001049 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001038 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: Truth in Lending Act (HELOC): Agreement contains provision allowing creditor to unilaterally change terms of plan for impermissible circumstances. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000921 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001160 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
Preliminary and final title are missing | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001100 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |
Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000845 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000898 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000962 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001029 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Closing / Title - ARM Error: Initial Rate Maximum was not provided [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001080 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | UTD UTD | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: Truth in Lending Act (HELOC): Agreement contains provision allowing creditor to unilaterally change terms of plan for impermissible circumstances. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | UTD | Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001048 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 1 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000868 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 1 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000982 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000930 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001024 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001040 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] State Compliance - XXXX Prepayment Penalty Junior Lien: XXXX Prepayment Penalty: A prepayment penalty is not permissible on a subordinate lien loan. Prepay language states prepay will not exceed maximum permitted by applicable law. |
Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000914 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] State Compliance - XXXX Prepayment Penalty Junior Lien: XXXX Prepayment Penalty: A prepayment penalty is not permissible on a subordinate lien loan. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000920 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] State Compliance - XXXX Prepayment Penalty Junior Lien: XXXX Prepayment Penalty: A prepayment penalty is not permissible on a subordinate lien loan. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001124 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] State Compliance - XXXX Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: Truth in Lending Act (HELOC): Agreement contains provision allowing creditor to unilaterally change terms of plan for impermissible circumstances. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000862 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] State Compliance - XXXX Prepayment Penalty Junior Lien: XXXX Prepayment Penalty: A prepayment penalty is not permissible on a subordinate lien loan. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000991 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] State Compliance - XXXX Prepayment Penalty Junior Lien: XXXX Prepayment Penalty: A prepayment penalty is not permissible on a subordinate lien loan. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001138 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000975 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] State Compliance - XXXX Prepayment Penalty Junior Lien: XXXX Prepayment Penalty: A prepayment penalty is not permissible on a subordinate lien loan. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000848 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a Settlement fee of $XXX.XX and Walk Through Recording fee of $XXX.XX as prepaid finance charges. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000967 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000859 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001113 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - TILA HELOC - Tax Advisor Statement Missing: Truth in Lending Act (HELOC): Creditor did not provide statement that the consumer should consult a tax advisor. [2] Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: Truth in Lending Act (HELOC): Agreement contains provision allowing creditor to unilaterally change terms of plan for impermissible circumstances. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Tax Advisor Statement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001101 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001143 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Tax Advisor Statement Missing: Truth in Lending Act (HELOC): Creditor did not provide statement that the consumer should consult a tax advisor. [2] Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: Truth in Lending Act (HELOC): Agreement contains provision allowing creditor to unilaterally change terms of plan for impermissible circumstances. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Tax Advisor Statement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000910 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - TILA HELOC - Tax Advisor Statement Missing: Truth in Lending Act (HELOC): Creditor did not provide statement that the consumer should consult a tax advisor. [2] Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: Truth in Lending Act (HELOC): Agreement contains provision allowing creditor to unilaterally change terms of plan for impermissible circumstances. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Tax Advisor Statement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000849 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - Credit Agreement Missing: Unable to test HELOC Agreement due to missing information. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Unable to test billing rights due to missing information. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Credit Agreement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001090 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001139 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - Credit Agreement Missing: Unable to test HELOC Agreement due to missing information. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Unable to test billing rights due to missing information. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Credit Agreement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000909 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | UTD UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
UTD | Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000901 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Missing: Unable to test HELOC Agreement due to missing information. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Unable to test billing rights due to missing information. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Credit Agreement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001067 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - Credit Agreement Missing: Unable to test HELOC Agreement due to missing information. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Unable to test billing rights due to missing information. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - Credit Agreement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001041 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided. | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001082 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001091 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - Credit Agreement Missing: Unable to test HELOC Agreement due to missing information. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Unable to test billing rights due to missing information. [2] Federal Compliance - TILA HELOC - Credit Plan with Index That Cannot be Obtained by Borrower: Unable to test Index due to missing information. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - Credit Agreement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Credit Plan with Index That Cannot be Obtained by Borrower: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001107 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided. | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000856 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Missing: Unable to test HELOC Agreement due to missing information. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Unable to test billing rights due to missing information. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Credit Agreement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001016 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | UTD UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | UTD | Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001169 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000989 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000992 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001026 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001129 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001105 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000877 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000891 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001172 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Missing: Unable to test HELOC Agreement due to missing information. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Unable to test billing rights due to missing information. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Credit Agreement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001134 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001020 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |
Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: RTC Signature Date is missing. | Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000950 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000846 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001069 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |
Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Signature date is missing on the RTC document, hence date left blank | Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001023 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000917 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001064 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided. | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000839 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - Credit Agreement Missing: Unable to test HELOC Agreement due to missing information. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Unable to test billing rights due to missing information. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - Credit Agreement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001119 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - Credit Agreement Missing: Unable to test HELOC Agreement due to missing information. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Unable to test billing rights due to missing information. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - Credit Agreement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000983 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000897 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |
Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: RTC signature date is missing in file. | Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000894 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000888 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Lien - Missing note/terms on senior lien. Subject loan is in second position. [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000927 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] General - Initial Rate Lock rate date is not documented in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |
Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000866 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Unable to test billing rights due to missing information. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001062 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 3 | [3] General - Initial Rate Lock rate date is not documented in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Disparity in Occupancy - Higher Priced as Primary: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. |
Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material: HUD is considered estimated due to "Tax Cushion" on line 1007. Federal Compliance - Disparity in Occupancy - Higher Priced as Primary: Page 1 of the 1003 and the occupancy certificate investment property, the 1008 indicates second home, and the declarations on page 4 of the 1003 indicate primary residence. |
No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000941 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the Fee Itemization does not include an Assignment Recording fee of $XXX.XX a Payoff Processing fee of $XXX.XXand a Wire fee of $XXX.XXas prepaid finance charges. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001117 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than X.XX%: Truth In Lending Act: Final TIL APR of X.XX% is underdisclosed from calculated APR of X.XX% outside of X.XX% tolerance. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than X.XX%: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001045 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001057 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000929 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000965 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] State Compliance - XXXX Late Charge Percent and Amount Testing: Note late charge exceeds maximum per state. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |
State Compliance - XXXX Late Charge Percent and Amount Testing: $XXX,XXX.XX (X.XX%) late charge exceeds the 5% late charge per state (MN). Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose $XXX,XXX.XX Recording Service Fee as a prepaid finance charge. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): The TIL Itemization of amount financed did not disclose the Lenders title Insurance fee of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000955 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001036 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided [3] Application / Processing - Missing Valuation: |
Appraisal not provided | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001050 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001047 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000912 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Miscellaneous Compliance - Unable to determine the # of units, compliance results were generated using a defaulted value.: Valuation Type: Stated / Valuation Report Date: XX/XX/XXXX |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000893 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001063 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | UTD UTD | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Application / Processing - Missing Valuation: [3] Miscellaneous Compliance - The Loan Purpose cannot be determined based on the documents in the loan file. Loan purpose of Cash Out Refinance was used to perform all applicable compliance testing. |
Appraisal not provided. | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001078 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided. | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] State Compliance - Wisconsin Prepayment Penalty < 25,000: Wisconsin Prepayment Penalty: Prepayment penalty not permissible on a loan less than $XXX.XX000 under the Wisconsin Consumer Act. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000934 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided. | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000960 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Application / Processing - Missing Valuation: |
Appraisal not provided. | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] State Compliance - Wisconsin Late Charge Amount Testing First Lien: Unable to determine if late charge exceeds state maximum due to missing information. [2] State Compliance - Wisconsin Prepayment Penalty ARM Test: Wisconsin Prepayment Penalty: Adjustable rate loan containing prepayment penalty did not provide disclosure stating that there are also loans available without prepayment penalties. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001089 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Application / Processing - Missing Valuation: |
Appraisal not provided | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000936 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000963 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001179 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001137 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001116 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible on a loan with an interest rate greater than 8%. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001043 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000892 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001085 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001087 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided. | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000874 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001061 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001110 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001153 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000851 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Application / Processing - Missing Valuation: |
Preliminary and Final title missing Appraisal not provided. |
2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Federal HPML 2009 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of APOR X.XX% + 3.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified): Federal Higher Priced Mortgage Loan: Borrower’s ability to repay not verified with reliable documentation. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Federal HPML 2009 Non Compliant: TILA HPML - Subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001054 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
State Compliance - XXXX Prepayment Penalty: PPP Expired. Prepayment charge not allowed per state (MI) - max prepayment charge for MI loan is 1% for 3 years - note states 5%, 4%, 3%, 2%, 1%. Lender is XXX XXXX Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization of amount financed did not disclose flood cert fee of $XXX.XX closing fee of $XXX.XX or tax service fee of $XXX.XXas prepaid finance charges. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000954 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): XXXX Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: XXXX Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List): XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: The reason for under disclosure is the note reflects 360 payments while Final TIL only reflects one payment. | State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001030 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000945 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000864 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or XXXX ) [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000987 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001123 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: |
Appraisal not provided. | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or XXXX ) [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001121 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: |
Appraisal not provided | 2 | [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of the greater of X.XX% of the Original Loan Amount and $XXX.XX (2007). FNMA Finance Charge total $XXX,XXX.XX on a Original Loan Amount of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX and $XXX.XX (2007) (an overage of $XXX,XXX.XX or X.XX%). [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or XXXX ) [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000853 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
2 | [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower. [2] State Compliance - XXXX Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001017 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000842 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001028 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | 2 | [2] State Compliance - XXXX Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000932 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001102 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000885 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - Indiana Late Charge Amount Testing: Indiana Late Charge: Note late charge amount of $XXX,XXX.XX exceeds the state maximum of $XXX,XXX.XX. |
Yes | TR HUD Deficiency (UAL State) | D | D | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001092 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Application / Processing - Missing Valuation: | Appraisal not provided | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001120 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000887 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal Not Provided | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of 4/7/2006 12:00:00 AM. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001051 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): XXXX Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001166 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001171 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001165 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001060 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000935 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: |
Appraisal not provided. | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Yes | TR HUD Deficiency | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001005 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001103 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000994 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000995 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001148 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on HUD1, not signed or stamped exceed those disclosed in HELOC Agreement. Fees from the HUD1, not signed or stamped are used in any federal, state, and local high cost testing. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower at application. [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of X.XX% of the Original Line Limit. FNMA Finance Charge total $XXX,XXX.XX on a Original Line Limit of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX orX.XX%). |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000937 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001157 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of 2/8/2006 12:00:00 AM. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001133 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000908 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of X.XX% of the Original Line Limit. FNMA Finance Charge total $XXX,XXX.XX on a Original Line Limit of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX orX.XX%). [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000896 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000882 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001122 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000958 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000918 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001056 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on HUD1, not signed or stamped exceed those disclosed in HELOC Agreement. Fees from the HUD1, not signed or stamped are used in any federal, state, and local high cost testing. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000970 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of 8/3/2006 12:00:00 AM. |
Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000904 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of X.XX% of the Original Line Limit. FNMA Finance Charge total $XXX,XXX.XX on a Original Line Limit of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX orX.XX%). [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000974 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of X.XX% of the Original Line Limit. FNMA Finance Charge total $XXX,XXX.XX on a Original Line Limit of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX orX.XX%). [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of 10/2/2006 12:00:00 AM. |
Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001086 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001132 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001182 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001158 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000895 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of 12/6/2006 12:00:00 AM. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001096 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001068 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000986 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of 1/8/2007 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001130 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001161 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000857 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of the greater of X.XX% of the Original Line Limit and $XXX.XX (2007). FNMA Finance Charge total $XXX,XXX.XX on a Original Line Limit of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX and $XXX.XX (2007) (an overage of $XXX,XXX.XX orX.XX%). [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000916 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of the greater of X.XX% of the Original Line Limit and $XXX.XX (2007). FNMA Finance Charge total $XXX,XXX.XX on a Original Line Limit of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX and $XXX.XX (2007) (an overage of $XXX,XXX.XX or X.XX%). [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001071 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of the greater of X.XX% of the Original Line Limit and $XXX.XX (2007). FNMA Finance Charge total $XXX,XXX.XX on a Original Line Limit of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX and $XXX.XX (2007) (an overage of $XXX,XXX.XX or X.XX%). |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001167 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000847 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] State Compliance - XXXX Consumer Sales Practices Act (Ability to Repay not Verified): XXXX Consumer Sales Practices Act: Borrower’s ability to repay not verified with reliable documentation. [2] State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): XXXX Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application. |
State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001032 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001004 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001140 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001154 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000933 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of the greater of X.XX% of the Original Line Limit and $XXX.XX (2007). FNMA Finance Charge total $XXX,XXX.XX on a Original Line Limit of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX and $XXX.XX (2007) (an overage of $XXX,XXX.XX orX.XX%). [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000999 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001168 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of the greater of X.XX% of the Original Line Limit and $XXX.XX (2007). FNMA Finance Charge total $XXX,XXX.XX on a Original Line Limit of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX and $XXX.XX (2007) (an overage of $XXX,XXX.XX orX.XX%). [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001173 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of the greater of X.XX% of the Original Line Limit and $XXX.XX (2007). FNMA Finance Charge total $XXX,XXX.XX on a Original Line Limit of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX and $XXX.XX (2007) (an overage of $XXX,XXX.XX orX.XX%). [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001003 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of the greater of X.XX% of the Original Line Limit and $XXX.XX (2007). FNMA Finance Charge total $XXX,XXX.XX on a Original Line Limit of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX and $XXX.XX (2007) (an overage of $XXX,XXX.XX orX.XX%). [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001181 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 1 | [1] Application / Processing - Missing Document: Missing Final 1003 | 1 | [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001180 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000988 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on HUD1, not signed or stamped exceed those disclosed in HELOC Agreement. Fees from the HUD1, not signed or stamped are used in any federal, state, and local high cost testing. [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of the greater of X.XX% of the Original Line Limit and $XXX.XX (2007). FNMA Finance Charge total $XXX,XXX.XX on a Original Line Limit of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX and $XXX.XX (2007) (an overage of $XXX,XXX.XX orX.XX%). [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001035 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001145 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 1 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Holder's right to foreclose, Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000948 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty: Maximum calculated prepay of $XXX,XXX.XX exceeds the state maximum of 1% of the original balance ($XXX,XXX.XX). Prepay language states prepay will not exceed maximum permitted by applicable law. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000980 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] State Compliance - XXXX Standard Prepayment Penalty SMLA: XXXX Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants) Prepay language states prepay will not exceed maximum permitted by applicable law. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000913 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 1 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
1 | [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000915 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000959 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001183 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Holder's right to foreclose, Homestead Exemption Waiver | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Prepayment Penalty Junior Lien: XXXX Prepayment Penalty: A prepayment penalty is not permissible on a subordinate lien loan. Prepay language states prepay will not exceed maximum permitted by applicable law. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001114 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Yes | TR HUD Deficiency | D | D | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000923 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000919 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] State Compliance - Pennsylvania Prepayment Penalty Junior Lien: Pennsylvania Prepayment Penalty: A prepayment penalty is not permissible on a junior lien loan less than or equal to $XXX,XXX.XXPrepay language states prepay will not exceed maximum permitted by applicable law. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001008 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001015 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Yes | TR HUD Deficiency | D | D | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000951 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. [2] Federal Compliance - RESPA (2010) - Balloon Payment Information on GFE Inaccurate: RESPA (2010): GFE indicates no balloon payment for loan containing a balloon payment. [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Loan Term on Final GFE Inaccurate: RESPA (2010): Loan Term on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA (2010) - Balloon Amount Due on Final HUD-1 Inaccurate: RESPA (2010): Balloon amount due on Final HUD-1 does not match actual balloon amount. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Balloon Payment Information on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Term on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Balloon Amount Due on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001001 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose a Recording Service fee $XXX,XXX.XX as prepaid finance charge. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000998 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001018 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001152 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001155 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided. | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000924 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000884 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): XXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000939 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000858 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of the greater of X.XX% of the Original Loan Amount and $XXX.XX (2007). FNMA Finance Charge total $XXX,XXX.XX on a Original Loan Amount of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX and $XXX.XX (2007) (an overage of $XXX,XXX.XX orX.XX%). [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
Yes | TR HUD Deficiency | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001118 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. [2] State Compliance - Idaho Prepayment Penalty: Idado Prepayment Penalty: Loan contains a prepayment penalty which was not disclosed separately in writing to borrower within three (3) days of application. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): The Residential Mortgage Practices Act does not appear to provide for assignee liability. |
No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001042 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): XXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001083 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001074 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty: Maximum calculated prepay of $XXX,XXX.XX exceeds the state maximum of 1% of the original balance ($XXX,XXX.XX). Prepay language states prepay will not exceed maximum permitted by applicable law. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000971 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 1 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000873 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000969 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001135 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001002 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001106 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: RTC is not signed | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001027 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000979 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000863 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal not provided. | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000949 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001128 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000911 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] State Compliance - XXXX Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001097 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Application / Processing - Missing Valuation: | Appraisal not provided | 2 | [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000855 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Disparity in Occupancy - Not High Cost and Not Higher Priced: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). [2] Federal Compliance - HELOC Plan Payment Terms: HELOC Agreement does not disclose the payment terms of the plan (including the length of the draw period and the repayment period). [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - HELOC Plan Payment Terms: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001178 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | 3 | [3] Closing / Title - Missing Document: HUD-1 Addendum not provided [2] State Compliance - XXXX Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: Truth in Lending Act (HELOC): Agreement contains provision allowing creditor to unilaterally change terms of plan for impermissible circumstances. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |
Closing / Title - Missing Document: HUD-1 Addendum not provided: HUD line(s) 816, 1313 reflect(s) "See Exhibit B, Exhibit "D" Attached Hereto" but the referenced addendum was not located. The $XXX,XXX.XX lump sum amount(s) has NOT been included in high cost testing. | Federal Compliance - TILA HELOC - Impermissible Provision on HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001162 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] State Compliance - XXXX Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000938 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000883 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000993 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000973 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000865 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] State Compliance - XXXX Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001174 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: Loan file does not contain any origination documentation. | UTD | Indeterminable | D | D | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001072 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: |
Appraisal not provided | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000871 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001065 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000925 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from the Final HUD1 are used in any federal, state, and local high cost testing. [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001053 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] State Compliance - XXXX Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Signed: Truth in Lending Act (HELOC): Credit Agreement not signed by borrower(s). [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA HELOC - Credit Agreement Not Signed: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001066 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001146 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: |
Appraisal not provided. | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001111 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000957 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: |
Appraisal Not Provided | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001039 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on HUD1, not signed or stamped exceed those disclosed in HELOC Agreement. Fees from the HUD1, not signed or stamped are used in any federal, state, and local high cost testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001098 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of 7/6/2007 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000872 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Signed: Truth in Lending Act (HELOC): Credit Agreement not signed by borrower(s). [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA HELOC - Credit Agreement Not Signed: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000922 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: |
Appraisal Not Provided | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000961 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower at application. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |
Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001079 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower at application. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001108 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: [1] Application / Processing - Missing Document: Missing Final 1003 |
Appraisal is not provided | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Signed: Truth in Lending Act (HELOC): Credit Agreement not signed by borrower(s). [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower at application. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of 6/4/2008 12:00:00 AM. |
Federal Compliance - TILA HELOC - Credit Agreement Not Signed: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001141 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: |
Appraisal not provided | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000840 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower at application. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001131 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 1 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 1 | - | A | A | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001025 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Application / Processing - Missing Valuation: |
Appraisal not provided | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - Pennsylvania Subordinate Lien Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of 3/3/2008 12:00:00 AM. |
Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Signature Date missing | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001142 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000984 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | [3] General - Initial Rate Lock rate date is not documented in file. | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material: Subject note is dated XX/XX/XXXX however the HUD-1 lists the settlement date as XX/XX/XXXX. Prepaid interest is collected from XX/XX/XXXX so the subject note appears to be misdated. Additionally, the subject property is located in NY but only the settlement agent signed the HUD and NY is not an escrow state so the borrower is required to have signed the HUD in order for us to consider the HUD as final. "Waiver of Borrower(s) Right to Receive HUD-1 at Settlement" form is in file and signed by borrowers, however this does not negate the requirement that the HUD be signed by the borrowers to consider as final. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Yes | TR Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001077 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] General - Initial Rate Lock rate date is not documented in file. | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000899 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] General - Initial Rate Lock rate date is not documented in file. [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000926 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] General - Initial Rate Lock rate date is not documented in file. [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000943 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] General - Initial Rate Lock rate date is not documented in file. |
2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000907 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] General - Initial Rate Lock rate date is not documented in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000869 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] General - Initial Rate Lock rate date is not documented in file. |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001115 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 2 | [3] General - Initial Rate Lock rate date is not documented in file. | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000944 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] General - Initial Rate Lock rate date is not documented in file. | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001012 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001164 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] General - Initial Rate Lock rate date is not documented in file. [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |
3 | [3] Federal Compliance - Missing Final HUD-1: Stamped Title Company Closing Statement Used For Fee Testing Material: Missing Final HUD-1: Stamped Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001011 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] General - Initial Rate Lock rate date is not documented in file. |
2 | [2] State Compliance - Alabama Prepayment Penalty: Alabama Prepayment Penalty: A prepayment penalty is not permitted under the Consumer Credit Act. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001150 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] General - Initial Rate Lock rate date is not documented in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] State Compliance - Wyoming Uniform Consumer Credit Code (Closing Cost Statement Not Provided): Wyoming Uniform Consumer Credit Code: Full statement of closing costs to be incurred by the consumer not provided to borrower prior to any down payment or when lender made commitment to the transaction. [2] State Compliance - Wyoming Uniform Consumer Credit Code (Statement of Rate Not Provided): Wyoming Uniform Consumer Credit Code: Lender did not provide borrower with accurate statement of rate. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. State Compliance - Wyoming Uniform Consumer Credit Code (Closing Cost Statement Not Provided): Assignee Liability: Any action which may be brought against the original creditor may be maintained against any subsequent assignee. For a transaction not involving an interest in land, the action may be brought where the violation is apparent on the face of the instrument unless the assignment is involuntary. For a transaction involving a security interest in land, the action may be brought where the assignee, its subsidiaries, or affiliates were in a continuing business relationship with the original creditor, unless the assignment was involuntary, or the assignee shows that it did not have reasonable grounds to believe that the original creditor was engaged in violations and that it maintained procedures reasonably adopted to apprise it of the existence of the violations. No action may be brought more than 1 year after the date of the occurrence of the violation. State Compliance - Wyoming Uniform Consumer Credit Code (Statement of Rate Not Provided): Assignee Liability: Any action which may be brought against the original creditor may be maintained against any subsequent assignee. For a transaction not involving an interest in land, the action may be brought where the violation is apparent on the face of the instrument unless the assignment is involuntary. For a transaction involving a security interest in land, the action may be brought where the assignee, its subsidiaries, or affiliates were in a continuing business relationship with the original creditor, unless the assignment was involuntary, or the assignee shows that it did not have reasonable grounds to believe that the original creditor was engaged in violations and that it maintained procedures reasonably adopted to apprise it of the existence of the violations. No action may be brought more than 1 year after the date of the occurrence of the violation. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000947 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | 2 | [3] General - Initial Rate Lock rate date is not documented in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000928 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] General - Initial Rate Lock rate date is not documented in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): XXXX Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: XXXX Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List): XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001013 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | [3] General - Initial Rate Lock rate date is not documented in file. [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001151 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] General - Initial Rate Lock rate date is not documented in file. [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000903 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] General - Initial Rate Lock rate date is not documented in file. |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001033 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] General - Initial Rate Lock rate date is not documented in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000976 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] General - Initial Rate Lock rate date is not documented in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000886 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | [3] General - Initial Rate Lock rate date is not documented in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000900 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | [3] General - Initial Rate Lock rate date is not documented in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Yes | TR HUD Deficiency | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000956 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] State Compliance - XXXX Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000997 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - Credit Agreement Missing: Unable to test HELOC Agreement due to missing information. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Unable to test billing rights due to missing information. [2] State Compliance - XXXX Open End Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - Credit Agreement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001037 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001109 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000946 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of 4/8/2005 12:00:00 AM. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000880 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] State Compliance - XXXX Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000879 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Purchase | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001046 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001127 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001156 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] State Compliance - XXXX Home Loan (Late Charge): XXXX Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. | State Compliance - XXXX Home Loan (Late Charge): Assignee Liability: Assignees and purchasers of XXXX high cost home loans are subject to all affirmative claims and any defenses with respect to the loan that the borrower could assert against the original creditor of the loan. Section 6(c) of the Act also provides that a borrower acting only in an individual capacity may assert against the creditor or any subsequent holder or assignee: (1) Within six years of the closing of covered home loan, a violation of the Act as an original action or as a defense, claim, or counterclaim; and (2) At any time during the term of a high cost home loan a defense, claim or counterclaim. The aforementioned may both be brought after an action to collect on the home loan or foreclose on the collateral securing the home loan has been initiated, the debt arising from the home loan has been accelerated, or the home loan has become 60 days in default. Further, the Act contains a choice of law provision permitting actions under either the XXXX Consumer Fraud Act ("NJCFA"), which possibly allow for class actions, or the Act. The July 6, 2004 amendments clarify that a defense, claim, or counterclaim may only be brought in an individual capacity and may not be asserted in a class action. Additionally, the statute provides for punitive damages. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Late Charge | C | C | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000931 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000854 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000977 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001144 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001184 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001185 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001186 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
FEMA Disaster inspection report is Missing. | 1 | 1 | - | C | A | A | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001189 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1 Alternate Document Used for Fees (Primary): Missing Final HUD-1: HUD1, not signed or stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
Yes | TR HUD Deficiency | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001190 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001188 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001194 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | N/A | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. | - | A | B | A | B | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001195 | $XXX,XXX.XX | XX | XX/XX/XXXX | 1 | 1 | 1 | 1 | - | A | A | A | A | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001206 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date Inaccurate (ARM loan): Unable to determine if the Max First Five Years Date on the Final TIL matches the Max Five Year Date on the loan due to missing information. [2] Federal Compliance - 2011 TIL-MDIA ARM Introductory Rate Disclosure - Introductory Period Inaccurate: Unable to test Introductory Period due to missing information. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date Inaccurate (ARM loan): TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA ARM Introductory Rate Disclosure - Introductory Period Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001201 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine underdisclosure due to missing Itemization of Amount Financed. | Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001196 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Non QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of X.XX% is in excess of the investor allowable maximum of X.XX% of the Federal Total Loan Amount. Points and Fees total $XXX,XXX.XX on a Federal Total Loan Amount of $XXX,XXX.XX vs. an investor allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX orX.XX%). [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Verification appraisal was delivered to borrower was not provided. Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae Points and Fees exceed allowable threshold by $XXX,XXX.XX orX.XX%). Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Fee was last disclosed as $XXX,XXX.XX on LE but disclosed as $XXX,XXX.XX on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at closing |
REVIEWER - CURED COMMENT (2023-11-03): Sufficient Cure Provided At Closing | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001187 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001193 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 2 | 2 | [2] Miscellaneous - Credit Exception: [2] Mortgage / Program Eligibility - Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy.: Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.92 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. [2] Miscellaneous - Miscellaneous Credit (Non-Material): |
A lender exception approval is in file to allow loan to proceed with the subject property being located in XX and the LLC formed in XX. There are no compensating factors provided by the seller. Per guidelines: Only US based LLCs or Corporations are allowed. Note has two borrowers, both an individual borrower and an entity borrower based on Note signing. |
SELLER - GENERAL COMMENT (2022-02-02): exception REVIEWER - WAIVED COMMENT (2022-02-03): Waived and downgraded per XXXX email/ sheet based on available compensating factors. SELLER - GENERAL COMMENT (2022-01-24): 1.08 dscr .. $XXX.XX full payment .... $XXX.XX rental REVIEWER - GENERAL COMMENT (2022-01-25): LTV greater than 70% (unable to qualify on IO payment). Qualifying payment based on fully amortizing payment. PITIA = $XXX,XXX.XX SELLER - GENERAL COMMENT (2022-01-26): per guidelines, a purchase with 720 fico can go 80% LTV and amortize over 30 years REVIEWER - GENERAL COMMENT (2022-01-26): Per guidelines: IO Payment Qualification On a loan with the interest only payment feature may be used in lieu of an amortizing payment to calculate the Qualifying Payment and the DSCR, provided the LTV does not exceed 70 and the FICO score on the file is not less than 680. If the above criteria are not met interest only loans must be calculated as a self-amortizing 20 year loan. SELLER - GENERAL COMMENT (2022-01-26): We actually qualified off fully amortizing payment. However for DSCR its over 30 years, rather than 20. you wrote below it should amortize over 20, and that is incorrect for DSCR. REVIEWER - GENERAL COMMENT (2022-01-27): Guideline requirement noted below. Please provide exception approval for waiver and downgrade consideration. SELLER - GENERAL COMMENT (2022-01-27): Not sure what you are requesting... calculating the way we did, we should be ok REVIEWER - GENERAL COMMENT (2022-01-28): Subject loan is a 30-year term with a 10-year IO option. Loan is 80% LTV. Per the DSCR guidelines provided, IO Payment Qualification is “On a loan with the interest only payment feature may be used in lieu of an amortizing payment to calculate the Qualifying Payment and the DSCR, provided the LTV does not exceed 70 and the FICO score on the file is not less than 680. If the above criteria are not met interest only loans must be calculated as a self-amortizing 20-year loan.” Based on the guideline, the loan is qualified with a PITIA of $XXX,XXX.XX. (PI $XXX,XXX.XX, Taxes $XXX,XXX.XX. Hazard $XXX,XXX.XX and HOA $XXX,XXX.XX). Calculated monthly income is $XXX,XXX.XX resulting in a DSCR of .92 based on the guideline required calculation method. SELLER - GENERAL COMMENT (2022-02-02): Please advise where it says that? See page 71 of guidelines where it says Investor cash flow qualify the applicant at the start rate based on 30 year... unless the loan qualifies to use the IO payment to calculate the DSCR REVIEWER - WAIVED COMMENT (2022-02-03): Waived and downgraded per XXXX email/ sheet based on available compensating factors. SELLER - GENERAL COMMENT (2022-01-24): assets REVIEWER - GENERAL COMMENT (2022-01-25): Total cash from borrower =$XXX Verified assets applied (including gift funds, business and personal accounts) = $XXX,XXX.XX. Additional funds for reserves do not meet guideline requirements. SELLER - GENERAL COMMENT (2022-01-26): per guidelines, a purchase with 720 fico can go 80% LTV and amortize over 30 years ... sufficient reserves when calculated this way REVIEWER - GENERAL COMMENT (2022-01-26): Per guidelines: IO Payment Qualification: On a loan with the interest only payment feature may be used in lieu of an amortizing payment to calculate the Qualifying Payment and the DSCR, provided the LTV does not exceed 70 and the FICO score on the file is not less than 680. If the above criteria are not met interest only loans must be calculated as a self-amortizing 20 year loan. SELLER - GENERAL COMMENT (2022-01-26): We actually qualified off fully amortizing payment. However for DSCR its over 30 years, rather than 20. you wrote below it should amortize over 20, and that is incorrect for DSCR. REVIEWER - GENERAL COMMENT (2022-01-27): Guideline requirement noted below. Please provide exception approval for waiver and downgrade consideration. SELLER - GENERAL COMMENT (2022-01-27): not sure what you are requesting... as explained, we calculated correctly REVIEWER - GENERAL COMMENT (2022-01-28): Verified assets used for qualifying = $XXX,XXX.XX. Cash required for closing = $XXX,XXX.XX. There are no additional assets available for reserves. REVIEWER - WAIVED COMMENT (2022-02-03): Waived and downgraded per XXXX email/ sheet based on available compensating factors. REVIEWER - WAIVED COMMENT (2022-01-24): Per guidelines: Only US based LLCs or Corporations are allowed. Note has two borrowers, both an individual borrower and an entity borrower based on Note signing. |
1 | Borrower's Experience/Track Record | - | B | A | B | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001198 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 1 | 1 | 1 | - | A | A | A | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001191 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001197 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): XXXX Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. [2] State Compliance - XXXX Consumer Sales Practices Act (Ability to Repay not Verified): XXXX Consumer Sales Practices Act: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment. [2] State Compliance - XXXX Consumer Sales Practices Act (Closing Disclosure Not Provided): XXXX Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |
State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. State Compliance - XXXX Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001192 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose the additional $XXX.XX settlement fee as a prepaid finance charge. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001209 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | 3 | [3] Closing / Title - Missing Final HUD-1: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Miscellaneous Compliance - Initial TIL not provided [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Closing / Title - Missing Final HUD-1: A violation of RESPA does not impair the validity of a loan or expose a true secondary market purchaser of a loan to assignee liability or rescission of the loan. While there are no express private rights of action under either Section 4 or 5 of RESPA, originators who violate these provisions are subject to enforcement action by a host of federal and state governmental authorities, and face the possible imposition of civil money penalties. Further, originators who violate Sections 4 and 5 of RESPA could be subject to claims arising under state law, such as state deceptive acts and practices statutes. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001207 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODNG Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. | 3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2804343) [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated total of payments of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold. (FinXX/XX/XXXX) |
Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure disclosed a finance charge of $XXX,XXX.XX. Calculating at $XXX,XXX.XX with a variance of -$XXX,XXX.XX. Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: Disclosure did not show the interest payment for payment stream 2 accurately. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Calculated Total of Payments $XXX,XXX.XX is more than the Total of Payments on the final closing disclosure $XXX,XXX.XX a difference of $XXX,XXX.XX. |
Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | D | D | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001208 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 3 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. | 3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | Secondary valuation missing in the loan file and the LCA is greater than 2.5. | 1 | - | C | A | D | D | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001210 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | ATR Risk | 3 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. | 1 | 3 | [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: X.XX%, LTV/CLTV: X.XX%/X.XX%, Credit Score: 633, Occupancy: Primary, Purpose: Refinance, Cash-out - Other [3] State Compliance - (State HPML Provision) XXXX Higher-Priced Mortgage Loan (Loan Exceeds HPML Thresholds and failed One or More Federal HPML Provisions Making Loan a Non-Compliant MA HPML - Refer to Federal HPML Exceptions for more details): XXXX Higher-Priced Mortgage Loan: Federal HPML Not Compliant. Refer to failed messages for Federal HPML for more details. [3] State Compliance - XXXX HPML Threshold Test Non-Compliant: XXXX Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX% Non-Compliant Higher Priced Loan. [3] Federal Compliance - QM Points and Fees 2021: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of X.XX% of the Federal Total Loan Amount. Points and Fees total $XXX,XXX.XX on a Federal Total Loan Amount of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX or X.XX%). [3] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM. Due Diligence Loan Designation is ATR Risk. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] State Compliance - XXXX Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: XXXX Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |
Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Guidelines were not provided. Unable to determine guideline requirements Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Guidelines were not provided. Unable to determine guideline requirements State Compliance - (State HPML Provision) XXXX Higher-Priced Mortgage Loan (Loan Exceeds HPML Thresholds and failed One or More Federal HPML Provisions Making Loan a Non-Compliant MA HPML - Refer to Federal HPML Exceptions for more details): Guidelines were not provided. Unable to determine guideline requirements State Compliance - XXXX HPML Threshold Test Non-Compliant: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. Federal Compliance - Unknown Loan Designation Test: Guidelines were not provided. Unable to determine guideline requirements Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence in file that borrower received a copy of appraisal at least 3 business days to closing. Federal Compliance - Federal HPML 2014 Non Compliant: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. State Compliance - XXXX Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Missing tangible Net Benefit Worksheet. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): No evidence that borrower received a copy of appraisal at least 3 business days to closing. |
Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. State Compliance - (State HPML Provision) XXXX Higher-Priced Mortgage Loan (Loan Exceeds HPML Thresholds and failed One or More Federal HPML Provisions Making Loan a Non-Compliant MA HPML - Refer to Federal HPML Exceptions for more details): Appears to be only general liability under MA TILA, however, note that MA HOEPA liability may also attach. Federal Compliance - Unknown Loan Designation Test: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. State Compliance - XXXX Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the XXXX unfair and deceptive acts and practices statute. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
State - NC | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001211 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7535) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (75117) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) |
Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001212 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: The file is missing one or more of the core documents required for a review. Please provide an AUS, Approval or 1008, income verification, asset verification, and all issued LE's.. | UTD | Indeterminable | A | D | A | D | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001213 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Construction-Permanent | ATR Fail | 3 | 3 | [3] Credit Documentation - Purchase contract date not provided. | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. [3] Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule C: Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (XXXX/Schedule C) [2] Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan contains Interest Only Payments. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Product. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated total of payments of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (8304) |
Federal Compliance - Check Loan Designation Match - ATR: Due to missing most recent Tax Returns document. Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule C: Borrower documents required for this income source: 1) Most recent tax transcripts; 2) Most recent signed, dated 1040s; 3) Audited YTD P&L; 4) 1099 Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan contains Interest Only Payments. (FinXX/XX/XXXX) Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Product. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated total of payments of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. |
Federal Compliance - Check Loan Designation Match - ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - General Ability To Repay Provision Income and Assets - Schedule C: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001214 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (8304) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Insufficient or no cure was provided to the borrower. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001215 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) |
Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower at least three business days prior to closing. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |
Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001216 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | 1 | - | A | A | D | D | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001217 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | QM (APOR) Risk | 3 | 3 | [3] Asset Documentation - Asset documentation requirements not met. [3] Asset Calculation / Analysis - AUS Findings: Available for Closing discrepancy.: Documented qualifying Assets of $XXX,XXX.XX is less than AUS Available for Closing of $XXX,XXX.XX. [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $XXX,XXX.XX is less than AUS qualifying asset balance of $XXX,XXX.XX. [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX,XXX.XX is less than Cash From Borrower $XXX,XXX.XX. |
Missing Settlement/Closing Disclosure Statement or verifying receipt of proceeds from sale of departure residence prior to XX/XX/XXXX closing date. Documented qualifying assets of $XXX,XXX.XX is less than $XXX,XXX.XX2.53 available cash required for closing per AUS/LP. Missing Settlement/Closing Disclosure Statement or verifying receipt of proceeds from sale of departure residence prior to XX/XX/XXXX closing date. Documented qualifying assets of $XXX,XXX.XX is less than $XXX,XXX.XX2.53 available cash required for closing per AUS/LP. Missing Settlement/Closing Disclosure Statement or verifying receipt of proceeds from sale of departure residence prior to XX/XX/XXXX closing date. Missing Settlement/Closing Disclosure Statement or verifying receipt of proceeds from sale of departure residence prior to XX/XX/XXXX closing date. Documented qualifying assets of $XXX,XXX.XX is less than $XXX,XXX.XX cash required from Borrower. Missing Settlement/Closing Disclosure Statement or verifying receipt of proceeds from sale of departure residence prior to XX/XX/XXXX closing date. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. [3] Federal Compliance - General QM Provision Investor Guidelines Violation: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. [3] Federal Compliance - Income/Asset Guideline Deficiency - QM Impact: General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |
Federal Compliance - Check Loan Designation Match - QM: Waterfall finding due to missing Missing Settlement/Closing Disclosure Statement or verifying receipt of proceeds from sale of departure residence prior to XX/XX/XXXX closing date, resulting in a loan designation discrepancy. Federal Compliance - General QM Provision Investor Guidelines Violation: Waterfall finding due to missing Missing Settlement/Closing Disclosure Statement or verifying receipt of proceeds from sale of departure residence prior to XX/XX/XXXX closing date, resulting in a loan designation discrepancy. Federal Compliance - Income/Asset Guideline Deficiency - QM Impact: Waterfall finding due to Missing Settlement/Closing Disclosure Statement or verifying receipt of proceeds from sale of departure residence prior to XX/XX/XXXX closing date. |
REVIEWER - CURED COMMENT (2025-06-05): Sufficient Cure Provided At Closing | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | TILA ATR/QM | C | C | A | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001218 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Construction-Permanent | Higher Priced QM (43-Q) | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] General - FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Missing Document - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. [2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) |
Mortgage insurance certificate or evidence upfront premium was received is missing. FHA - Informed Consumer Choice Disclosure not provided to borrower within 3 business days of the loan application. Certificate and Mortgage Insurance Evidence are missing. FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date. |
3 | [3] Valuation Issue - FHA loan and Valuation Effective Date or Report Date is more than 120 days prior to the Note Date or Notary Date.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM (43-Q). [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2807017) [2] Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after XX/XX/XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7591) |
Federal Compliance - Check Loan Designation Match - QM: Loan does not meet HUD Safe Harbor QM requirements. Federal Compliance - HUD QM AU Finding Fail: Mortgage insurance certificate or evidence upfront premium was received is missing. Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Subsequent Changes period that does not match the actual terms for the loan. Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: Projected payment amount is not matching with lenders calculated amount. Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: Projected payment amount is not matching with lenders calculated amount. Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: Projected payment amount is not matching with lenders calculated amount. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | C | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001219 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX,XXX.XX is less than Cash From Borrower $XXX,XXX.XX. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX |
Require 2 months bank statement with ending balance of 11877.67. The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |
1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. (FinXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence that borrower received a copy of appraisal at least 3 business days to closing. | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Material violations for inaccurate disclosures carry assignee liability. Non-material if amounts disclosed includes both borrower and non-borrower paid escrow amounts. |
- | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001220 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XX/XX/XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7520) |
Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: In Initial Closing disclosure incomplete and provided date not provided. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report Fee increased to $XXX,XXX.XX without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |
Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001221 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 3 | [3] Income Documentation - REO Documents are missing.: Address: XXXX HOA Verification [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODNG Disaster Declaration Date: XX/XX/XXXX |
HOA Verification for REO property on S Calumet Ave is not provided in loan file. The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |
3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | 1 | - | C | A | D | D | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001222 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | The file is missing a copy of the secondary valuation required for securitization purposes. | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence of appraisal being sent to borrower 3 days prior to closing. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee was disclosed on initial Loan estimate as $XXX.XX but disclosed but final Closing Disclosure $XXX,XXX.XXile does not contain a valid COC for this fee, nor evidence of cure is provided in file. |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | D | D | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001223 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA Disaster area. Require a post-disaster inspection verifying there was no damage to the subject property. | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:SecondaXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Partial Payments: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Partial Payments. (FinXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): No evidence of appraisal being sent to borrower 3 days prior to closing. Federal Compliance - TRID Final Closing Disclosure Partial Payments: Page 4 final CD partial payments your lender check box is not checked. |
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. Federal Compliance - TRID Final Closing Disclosure Partial Payments: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001226 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Document Error - Closing Disclosure: Dates are not in chronological order.: Date Issued: XX/XX/XXXX Issue Date: XX/XX/XXXX; Received Date: XX/XX/XXXX; Signed Date: XX/XX/XXXX [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2807560) [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2807559) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7520) |
Document Error - Closing Disclosure: Dates are not in chronological order.: Issue Date: XX/XX/XXXX; Received Date: XX/XX/XXXX; Signed Date: XX/XX/XXXX Dates are not in chronological order. Date Issued should be prior to Date Received and Date Received should be prior to Signed Date. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: List of Homeownership Counseling Organizations not provided to applicant within three business days of application. Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three business days prior to closing. |
REVIEWER - CURED COMMENT (2025-06-06): Sufficient Cure Provided At Closing | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001227 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. | - | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001228 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of receipt prior to 3 business days of closing is missing. | - | A | B | A | B | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001229 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | ATR Risk | 3 | 3 | [3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds AUS total debt ratio of X.XX%. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX |
Calculated DTI of X.XX% exceeds AUS approved DTI if 42% guideline. Monthly child support of $XXX,XXX.XX was not included in lender's analysis. The latest property inspection date is XX/XX/XXXX. There was a FEMA disaster dated XX/XX/XXXX. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of X.XX% significantly exceeds the guideline maximum of X.XX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. |
Federal Compliance - Check Loan Designation Match - QM: Waterfall finding due to calculated DTI exceeding AUS-approved DTI, resulting in a loan designation discrepancy. Federal Compliance - General Ability To Repay Provision Investor Guidelines: Waterfall finding due to calculated DTI exceeding AUS-approved DTI, resulting in a loan designation discrepancy. Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Waterfall finding due to calculated DTI exceeding AUS-approved DTI. Federal Compliance - QM DTI: Waterfall finding due to calculated DTI exceeding AUS-approved DTI, resulting in a loan designation discrepancy. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001230 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001231 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: The file is missing one or more of the core documents required for a review. Please provide an initial 1003, final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, and all issued LE's and CD's. | UTD | Indeterminable | A | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001232 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: The file is missing one or more of the core documents required for a review. Please provide an initial 1003, final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, and all issued LE's and CD's. | UTD | Indeterminable | A | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001233 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Risk | 3 | 3 | [3] Government Documentation - Amendatory Clause is missing.: Disclosure: FHA - Amendatory Clause (Government Documents) [3] Government Documentation - Contractor bid is missing.: Disclosure: FHA 203(b) or 203(k) - Contractor bid (Government Documents) [3] Government Documentation - FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing.: Disclosure: FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) (Government Documents) [3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Important Notice to Homebuyer (92900-B) is missing.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) [3] Government Documentation - Important Notice to Homebuyer (92900-B) is missing. [3] Income Documentation - Income documentation requirements not met. [3] Missing Document - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. [3] Government Documentation - Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) |
FHA - Amendatory Clause document missing. FHA 203(b) or 203(k) - Contractor bid (Government Documents) - Contractor bid is missing. FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing. FHA Informed Consumer Choice Disclosure is missing. Important Notice to Homebuyer (92900-B) is missing. Important Notice to Homebuyer (92900-B) is missing. Waterfall due to missing income and FHA documenation. FHA Mortgage Insurance Certificate and Mortgage Insurance Evidence was not provided in the file. FHA - Real Estate Certification is missing. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXXX /15396840) [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TIL HPML Appraisal Disclosure - HPML Timing: HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2807501) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7349) [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Federal Compliance - Check Loan Designation Match - QM: Waterfall due to missing income and FHA documenation, resulting in a loan designation discrepancy. Federal Compliance - General Ability To Repay Provision Investor Guidelines: Waterfall due to missing income and FHA documenation. Federal Compliance - HUD QM AU Finding Fail: Waterfall due to missing income and FHA documenation. Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Waterfall due to missing income and FHA documenation. Federal Compliance - QM Employment History: Missing co-borrower prior employment history documentation. Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Right to receive of the Appraisal Disclosure was not provided to the borrower(s) within 3 days of the loan application. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Proof of primary appraisal delivery was not provided in the file. Federal Compliance - Federal HPML 2014 Non Compliant: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List of Homeownership Counseling Organizations not provided. Federal Compliance - TIL HPML Appraisal Disclosure - HPML Timing: File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): Proof of delivery of Appraisal three (3) business days prior to consummation was not provided in the file. Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment in the amount of $XXX,XXX.XX for payment stream 1 that does not match the actual payment for the loan. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Initial Closing Disclosure dated XX/XX/XXXX was not signed and dated by the borrower(s). Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Application date from alternate document is XX/XX/XXXX and initial loan estimate received on XX/XX/XXXX. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: An Extension fee in the amount of $XXX,XXX.XX was added on the Final Closing Disclosure dated XX/XX/XXXX. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. Application / Processing - Missing Document: Missing Lender's Initial 1003: Missing Lender's Initial 1003. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL HPML Appraisal Disclosure - HPML Timing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001234 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | HUD Safe Harbor QM | 3 | 3 | [3] General - FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing.: Disclosure: FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) (Government Documents) [3] Government Documentation - FHA Loan Transmittal (92900-LT) is missing.: Disclosure: FHA - Loan Transmittal (92900-LT) (Government Documents) [3] Government Documentation - FHA MIP Error (Non-Borrower Paid):: Date Issued: XX/XX/XXXX Calculated FHA upfront premium of $XXX,XXX.XX does not match the mortgage insurance premium collected on the Closing Disclosure of $XXX,XXX.XX. [2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) [2] Government Documentation - FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date.: Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents) |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of HUD Safe Harbor QM. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX) [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:380XX/XX/XXXX) [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (9300) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) |
Federal Compliance - Check Loan Designation Match - QM: Originator Loan Designation entered in reference to form 1003 does not match the calculated Due Diligence Loan Designation. Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Valid change of circumstance or sufficient cure is missing. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Valid change of circumstance or sufficient cure is missing. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid change of circumstance or sufficient cure is missing. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001235 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001236 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7517) |
REVIEWER - CURED COMMENT (2025-06-06): Sufficient Cure Provided At Closing | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001237 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: The file is missing one or more of the core documents required for a review. Please provide an initial 1003, final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, and all issued LE's and CD's. | UTD | Indeterminable | A | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001238 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: The file is missing one or more of the core documents required for a review. Please provide an initial 1003, final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, and all issued LE's and CD's. | UTD | Indeterminable | A | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001239 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE WINTER STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. | 1 | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7579) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7200) |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Flood Certification Fee was last disclosed as $XXX,XXX.XX on Loan Estimate but disclosed as $XXX,XXX.XX on Final Closing Disclosure. File does not contain a valid Change of circumstance for this fee, nor evidence of cure in file. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan discount points Fee was last disclosed as $XXX,XXX.XX on Loan Estimate but disclosed as $XXX,XXX.XX on Final Closing Disclosure. File does not contain a valid Change of circumstance for this fee, nor evidence of cure in file. |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001240 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary HPQM (GSE/Agency Eligible) | 3 | 1 | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:380XX/XX/XXXX) [2] State Compliance - XXXX Counseling Agencies Disclosure Not in File: XXXX HB1399 - No evidence of required counseling disclosure language per XXXX HB 1399. [2] State Compliance - (State HPML Disclosure) XXXX Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided): XXXX Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. [2] State Compliance - XXXX HPML Threshold Test Non-Compliant: XXXX Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Loan. [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX,XXX.XX is over disclosed by $XXX,XXX.XX compared to the calculated Amount Financed of $XXX,XXX.XX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated total of payments of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7325) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for 203K Inspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7502) |
Federal Compliance - Check Loan Designation Match - QM: Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt. State Compliance - XXXX Counseling Agencies Disclosure Not in File: No evidence of required counseling disclosure language per XXXX HB 1399. State Compliance - (State HPML Disclosure) XXXX Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided): Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Disclosed amount financed is $XXX,XXX.XX. Calculated amount finance is $XXX,XXX.XX. Variance of $XXX,XXX.XX Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosed Finance Charge is $XXX,XXX.XX. Calculated Finance Charge is $XXX,XXX.XX. Variance of $XXX,XXX.XX. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Disclosed Total of Payments is $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated total of payments of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold. Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: Corrected Closing Disclosure provided on or after XX/XX/XXXX contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower at closing. No valid COC in file. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for 203K Inspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. State Compliance - XXXX Counseling Agencies Disclosure Not in File: HB 1399 does not contain express provisions for assignee liability. State Compliance - (State HPML Disclosure) XXXX Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided): Any licensee that violations the Regulations will be subject to the penalty provisions under the Lender Law. For willful violations, any person who violates any Regulation is guilty of a felony and on conviction is subject to a fine not exceeding $XXX.XX000 or imprisonment not exceeding 10 years, or both. Additionally, the Commissioner has the authority to suspend or revoke any license for failure to comply with the Regulations. Finally, the Commissioner may also order the licensee to cease and desist from a specific activity, or permanently stop doing business in the State of XXXX. Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | A | C | A | C | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001241 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1 Alternate Document Used for Fees (Primary): Missing Final HUD-1: HUD1, not signed or stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to verify finance charge under disclosure due to missing TIL Itemization | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR HUD Deficiency | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001242 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001244 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001245 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001246 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001247 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001248 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001249 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): XXXX Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: XXXX Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List): XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |
State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001250 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001251 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: An approval indicate the Index used was X.XX%. The closest Index available in our look-back period is X.XX%. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001253 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Due On Sale Clause [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Approval indicate the Index used was X.XX%. The closest Index available in our look-back period is X.XX%. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001254 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Til Itemization did not disclosed Attorney Fee $XXX.XX, Courier Fee $XXX.XXas Prepaid Finance Charge. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001255 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1 Alternate Document Used for Fees (Primary): Missing Final HUD-1: HUD1, not signed or stamped used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR HUD Deficiency | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001256 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001257 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Miscellaneous - Credit Exception: [3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided |
Note and security instrument are not on FHA forms while appears loan originated as FHA per documentation supported in file. | 2 | [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001258 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] State Compliance - XXXX Standard Prepayment Penalty SMLA: XXXX Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants) Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001259 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001261 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Closing / Title - Missing Document: HUD-1 Addendum not provided [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Closing / Title - Missing Document: HUD-1 Addendum not provided: HUD line 1305 reflects "Other Charges - See attached" but the addendum was not located. The $XXX,XXX.XX lump sum amount has been included in high-cost testing. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
Tested | TR Tested | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001262 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001264 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001265 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): XXXX Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) - Incorrect GFE Form Used: RESPA (2010) - Good Faith Estimate not on the proper 2010 GFE form. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |
Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Incorrect GFE Form Used: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001267 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |
Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001268 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001269 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Federal LO Compensation Dual Compensation Pre-Dodd Frank Test: Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - Federal LO Compensation Dual Compensation Pre-Dodd Frank Test: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, and where the assignment was involuntary. This civil liability may include $XXX.XX00, in the case of an individual transaction, or the lesser of $XXX.XX,000 or 1% of the creditor's net worth in the case of a class action as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or non-judicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001270 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001271 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001273 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001275 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] State Compliance - Tennessee Prepayment Penalty Test: Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001277 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an Attorney fee of $XXX.XX as prepaid finance charge. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001278 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001280 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Prepayment Penalty Test: XXXX Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001281 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001282 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001252 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower at least three business days prior to closing. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001260 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 3 | 3 | [3] Asset Documentation - Asset documentation requirements not met. [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $XXX,XXX.XX is less than AUS qualifying asset balance of $XXX,XXX.XX. [3] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided [3] Credit Documentation - The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |
A deposit receipt for $XXX.XX,500 gift funds is missing and the gift is not listed on the final CD. Missing source of funds for gift funds of $XXX,XXX.XXurchase Agreement / Sales Contract is missing. Verification of rent is missing. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. [2] Federal Compliance - TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization NMLS information on loan documents does not match NMLS. [2] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. [2] Federal Compliance - TILA NMLSR - Originator Company License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not licensed to conduct loan origination activities. [2] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7552) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (75104) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) |
Federal Compliance - Check Loan Designation Match - QM: Gift funds were not verified as required by the AUS which caused the loan to test as Safe Harbor QM. Federal Compliance - TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website: Loan Originator Organization NMLS information is not provided. Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Loan Originator Organization NMLS information is not provided. Federal Compliance - TILA NMLSR - Originator Company License Status Not Approved: Individual Loan Originator NMLSR information not provided. Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Individual Loan Originator NMLSR information not provided. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Reinspection Fee of $XXX,XXX.XX, which exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7552) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee of $XXX,XXX.XX, which exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid change of circumstances or sufficient cure is missing. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $XXX.XX00, in the case of an individual transaction, or the lesser of $XXX.XX,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $XXX.XX00,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $XXX.XX00, in the case of an individual transaction, or the lesser of $XXX.XX,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $XXX.XX00,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | D | C | A | D | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001263 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance not provided.: GFE Date: XX/XX/XXXX, GFE Date: XX/XX/XXXX Changed Circumstance not provided for GFE dated XX/XX/XXXX from GFE dated XX/XX/XXXX Changed Circumstance not provided for GFE dated XX/XX/XXXX from GFE dated XX/XX/XXXX [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing [2] State Compliance - North Carolina First Lien Late Charge Percent Testing: North Carolina Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 4%. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |
Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. |
- | C | B | A | C | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001266 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Loan File - Missing Document: Hazard Insurance Policy not provided | Missing Hazard Insurance Policy. | 3 | [3] Appraisal Documentation - Loan is to be securitized. Appraisal Waiver was entered on a conventional loan, and Decision System does not reflect DU or LP. PIW is ineligible. Missing Primary Appraisal. | This is XXXX , Appraisal is not required. | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Miscellaneous Compliance - (Doc Error) Initial GFE not provided: Missing GFE. Federal Compliance - Missing Initial Loan Application Test: Missing Initial1003 document. Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Missing Initial1003 document. Federal Compliance - (Missing Data) Last Rate Set Date: Rate lock agreement is missing in file. Federal Compliance - RESPA - Initial GFE Missing: Missing GFE. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Affiliated Business Arrangement Disclosure is not within 3 days of Application. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: The file was missing a copy of the List of Homeowner Counseling Checklist disclosure provided to the borrower within three business days of the Originator's application date. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Missing Initial Escrow Account Disclosure. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: Missing Servicing Disclosure. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Initial1003 document. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Missing Initial1003 document. Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: Missing Initial1003 document. Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. Application / Processing - Missing Document: Missing Lender's Initial 1003: The initial 1003 does not contain an application date. |
Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $XXX.XX00, in the case of an individual transaction, or the lesser of $XXX.XX,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $XXX.XX00,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | D | D | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001272 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Loan File - Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing. | 1 | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether Homeowners Insurance is included in escrow. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether property taxes are included in escrow. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX.XX9.24 exceeds tolerance of $XXX.XX. Insufficient or no cure was provided to the borrower. (9300) [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Federal Compliance - (Missing Data) Last Rate Set Date: Rate lock is missing in file. Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: Final Closing Disclosure incorrectly disclosed whether Homeowners Insurance is included in escrow. Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: Final Closing Disclosure incorrectly disclosed whether property taxes are included in escrow. Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX.XX9.24 exceeds tolerance of $XXX.XX. No valid change in circumstance or cure for borrower provided. Application / Processing - Missing Document: Missing Lender's Initial 1003: 1003 Initial - Lender's is missing. |
Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001224 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | The loan is DSCR for which guidelines are required. | 1 | UTD | Indeterminable (UAL State) | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001225 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | The loan is DSCR for which guidelines are required. | 1 | UTD | Indeterminable | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001308 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. [2] Federal Compliance - RESPA (2010) - Initial Escrow Account Statement Missing: RESPA (2010): Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |
Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001310 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] General - Initial Rate Lock rate date is not documented in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001311 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001313 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001312 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001284 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001283 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): XXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001243 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001279 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001274 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] General - Initial Rate Lock rate date is not documented in file. [3] Application / Processing - Missing Valuation: |
Appraisal not provided | 2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of X.XX% per the Approval, however the lowest Index available in the look-back period is X.XX%. | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001309 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001276 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Under-disclosure due to lender utilizing and index value of X.XX% per approval, however the lowest index value available in the lookback period is X.XX% | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001289 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
FEMA disaster exception: The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (8304) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. |
Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001290 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary HPQM (GSE/Agency Eligible) | 3 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |
Federal Compliance - Check Loan Designation Match - QM: Subject loan was originated under the Temporary SHQM (GSE/Agency Eligible) designation however, the subject loan has tested as Temporary HPQM (GSE/Agency Eligible). Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001292 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Safe Harbor QM (APOR) | 3 | 1 | 1 | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated total of payments of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Calculated Total of Payments are $XXX,XXX.XX & as per final Closing disclosure it is mentioned as $XXX,XXX.XX showing variance of -$XXX,XXX.XX. | Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | TRID SOL Not Expired | A | C | A | C | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001293 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2846229) [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2846228) [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated total of payments of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (9300) |
Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: The Final CD reflects a monthly escrow amount of $XXX,XXX.XX however the estimated annual taxes per the tax cert and appraisal report are $XXX.XX annually. Total calculated monthly escrows are $XXX,XXX.XX ($XXX,XXX.XX/HOI and $XXX,XXX.XX/taxes). Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: The Final CD reflects a monthly escrow amount of $XXX,XXX.XX however the estimated annual taxes per the tax cert and appraisal report are $XXX.XX annually. Total calculated monthly escrows are $XXX,XXX.XX ($XXX,XXX.XX/HOI and $XXX,XXX.XX/taxes). Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: The disclosed Total of Payments in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX. Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: The Final CD reflects a monthly escrow amount of $XXX,XXX.XX however the estimated annual taxes per the tax cert and appraisal report are $XXX.XX annually. Total calculated monthly escrows are $XXX,XXX.XX ($XXX,XXX.XX/HOI and $XXX,XXX.XX/taxes). Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: :Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (9300) |
Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001286 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Application / Processing - Missing Document: Fraud Report not provided | Fraud Report is missing. | 1 | - | C | A | C | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001319 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | QM (APOR) Fail | 3 | 1 | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. [3] Federal Compliance - TILA NMLSR - Originator Company Not Licensed at time of Application: Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not NMLS licensed or registered at time of application. [3] Federal Compliance - TILA NMLSR - Originator Company License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not in approved license status to conduct loan origination activities. [3] Federal Compliance - QM Points and Fees 2021: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of X.XX% of the Federal Total Loan Amount. Points and Fees total $XXX,XXX.XX on a Federal Total Loan Amount of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX orX.XX%). [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7520) |
Federal Compliance - Check Loan Designation Match - QM: Due Diligence Loan Designation of QM (APOR) Fail due to Points and Fees. Federal Compliance - TILA NMLSR - Originator Company Not Licensed at time of Application: Loan Originator Organization’s license issue date XX/XX/XXXX. Loan application dateXX/XX/XXXX. Federal Compliance - TILA NMLSR - Originator Company License Status Not Approved: Loan Originator Organization’s license issue date XX/XX/XXXX. Loan origination dateXX/XX/XXXX. Federal Compliance - QM Points and Fees 2021: Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of X.XX% of the Federal Total Loan Amount. Points and Fees total $XXX,XXX.XX on a Federal Total Loan Amount of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX orX.XX%). |
REVIEWER - CURED COMMENT (2025-07-04): Sufficient Cure Provided At Closing | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TILA NMLSR - Originator Company Not Licensed at time of Application: "Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $XXX.XX, in the case of an individual transaction, or the lesser of $XXX.XX or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $XXX.XX or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation." |
TILA SOL Not Expired | A | C | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001320 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA Disaster area. Require a post-disaster inspection verifying there was no damage to the subject property. | 1 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001321 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized. Property Type is Manufactured and no secondary valuation was provided. Sec ID: 100: Note Date: XX/XX/XXXX; Lien Position: 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Income Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7572) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Verification of Income Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (2025-07-08): Sufficient Cure Provided At Closing | - | A | A | A | A | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001314 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient or excess cure provided at Closing. | REVIEWER - CURED COMMENT (2025-07-02): Sufficient Cure Provided At Closing | - | A | A | A | A | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001315 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001316 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Fail | 3 | 3 | [3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds AUS total debt ratio of X.XX%. [3] Missing Document - CAIVRS Authorization is missing.: Disclosure: CAIVRS Authorization (Government Documents) [3] Government Documentation - FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant.: Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents) [3] Government Documentation - FHA MIP Error (Borrower Paid):: Date Issued: XX/XX/XXXX Calculated FHA upfront premium of $XXX,XXX.XX does not match the mortgage insurance premium collected on the Closing Disclosure of . [3] Income Documentation - The verification of employment is not within 10 business days of the Note.: Borrower: XXXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX |
Second home PITI is not considered by UW, no proof is provided to exclude the debt Caivrs not provided Not signed by lender |
3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - General Ability To Repay Provision Income and Assets - Tip Income: Ability to Repay (Dodd-Frank 2014): Unable to verify Tip income due to, missing the Year 1 tax returns or transcript. (XXXX/Tip) [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - TRID Additional 3-Day Waiting Period Timing Test – Irregular Transaction: TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated XX/XX/XXXX disclosed an inaccurate APR of X.XX% compared to the actual APR at consummation of X.XX% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation [3] Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: TILA-RESPA Integrated Disclosure - Loan Calculations: APR of X.XX% on Final Closing Disclosure provided on XX/XX/XXXX is under-disclosed from the calculated APR of X.XX% outside of X.XX% tolerance. (FinXX/XX/XXXX025) [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX025) [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2856179) [3] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated total of payments of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold. (FinXX/XX/XXXX025) |
Federal Compliance - Check Loan Designation Match - ATR: The AUS provided shows a result of Refer/Eligible. However, the Transmittal Summary reflects DU approved. The final DU findings showing Approve/Eliglble are required. Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: The AUS provided shows a result of Refer/Eligible. However, the Transmittal Summary reflects DU approved. The final DU findings showing Approve/Eliglble are required. Federal Compliance - General Ability To Repay Provision Income and Assets - Tip Income: The AUS provided shows a result of Refer/Eligible. However, the Transmittal Summary reflects DU approved. The final DU findings showing Approve/Eliglble are required. Federal Compliance - General Ability To Repay Provision Investor Guidelines: The AUS provided shows a result of Refer/Eligible. However, the Transmittal Summary reflects DU approved. The final DU findings showing Approve/Eliglble are required. Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: Clarity calculated APR exceeds threshold of APR X.XX% Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final closing disclosure dated XX/XX/XXXX disclosed a Total of payments of $XXX,XXX.XX . The calculated finance charge is $XXX,XXX.XX creating a variance of $XXX,XXX.XX . Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Mortgage insurance not captured in closing disclosure Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final closing disclosure dated XX/XX/XXXX disclosed a Total of payments of $XXX,XXX.XX . The calculated finance charge is $XXX,XXX.XX creating a variance of $XXX,XXX.XX . |
Federal Compliance - Check Loan Designation Match - ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - General Ability To Repay Provision Income and Assets - Tip Income: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - TRID Additional 3-Day Waiting Period Timing Test – Irregular Transaction: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
TRID SOL Not Expired | C | C | D | D | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001317 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001299 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001300 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001295 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001294 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001296 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001297 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] State Compliance - XXXX Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: XXXX Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
State Compliance - XXXX Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the XXXX unfair and deceptive acts and practices statute. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001298 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001302 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001301 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001303 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001305 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): XXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001304 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001362 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 3 | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
“SitusAMC uses FannieMae’s definition of acceptable coverage. Fannie Mae requires coverage equal to the lesser of the following: 100% of the insurable value of the improvements, as established by the property insurer; or the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount—80% of the insurable value of the improvements—required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained. There is a shortfall of $XXX,XXX.XX.” The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |
1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No Documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. | - | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001363 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001364 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | VA Safe Harbor QM | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | 1 | - | A | A | D | D | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001365 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | QM (APOR) Fail | 3 | 3 | [3] Income Documentation - Income documentation requirements not met. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX |
Failure due to paystubs provided not within 90 days of the note date The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. [3] Federal Compliance - General QM Provision Income and Assets - Wages: General QM: Unable to verity income due to, paystub provided was dated more than 90 days prior to closing. (XXXX/Wages) [3] Federal Compliance - General QM Provision Investor Guidelines Violation: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. [3] Federal Compliance - Income/Asset Guideline Deficiency - QM Impact: General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:SecondaXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX,XXX.XX is over disclosed by $XXX,XXX.XX compared to the calculated Amount Financed of $XXX,XXX.XX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (0) |
Federal Compliance - Check Loan Designation Match - QM: Failure due to paystubs provided are dated more than 90 days prior to closing Federal Compliance - General QM Provision Investor Guidelines Violation: Failure due to paystubs provided not within 90 days of the note date. Federal Compliance - Income/Asset Guideline Deficiency - QM Impact: Failure due to paystubs provided not within 90 days of the note date. Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: The disclosed Amount Financed in the amount of $XXX,XXX.XX is over disclosed by $XXX,XXX.XX compared to the calculated Amount Financed of $XXX,XXX.XX Federal Compliance - TRID Final Closing Disclosure Finance Charge: The disclosed Amount Financed in the amount of $XXX,XXX.XX is over disclosed by $XXX,XXX.XX compared to the calculated Amount Financed of $XXX,XXX.XX |
REVIEWER - CURED COMMENT (2025-07-25): Sufficient Cure Provided At Closing | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001366 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | QM (APOR) Risk | 3 | 3 | [3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds AUS total debt ratio of X.XX%. | The actual tax and insurance payments are higher than the amounts included by lender in the debt calculation. Including the actual higher amounts brings the DTI to X.XX% and out of tolerance. | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. [3] Federal Compliance - General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines: General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of X.XX% moderately exceeds the guideline maximum of X.XX%. (DTI Exception is eligible to be regraded with compensating factors.) [3] Federal Compliance - General QM Provision Investor Guidelines Violation: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |
Federal Compliance - Check Loan Designation Match - QM: The DTI excceds AUS maximum allowable which caused the loan to test as QM (APOR) risk. Federal Compliance - General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines: The actual tax and insurance payments are higher than the amounts included by lender in the debt calculation. Including the actual higher amounts brings the DTI to X.XX% and out of tolerance. Federal Compliance - General QM Provision Investor Guidelines Violation: The DTI exceeds the AUS maximum allowable which caused the loan to test as QM risk. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001367 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 3 | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:442XX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2879820) [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $XXX.XX25,706.65 is under disclosed by $XXX,XXX.XX compared to the calculated total of payments of $XXX.XX43,003.02 which exceeds the $XXX,XXX.XX threshold. (FinXX/XX/XXXX) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence of appraisal being sent to borrower 3 days prior to closing. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence of appraisal being sent to borrower 3 days prior to closing. Federal Compliance - TRID Final Closing Disclosure Finance Charge: Closing Disclosure reflects Finance Charge of $XXX,XXX.XXbut calculated Finance Charge of $XXX,XXX.XX. Variance = -$XXX,XXX.XX. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: Payments have been correctly captured. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: The disclosed Total of Payments in the amount of $XXX.XX25,706.65 is under disclosed by $XXX,XXX.XX compared to the calculated total of payments of $XXX.XX43,003.02 which exceeds the $XXX,XXX.XX threshold. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Fee was disclosed on initial Loan estimate as $XXX.XX but disclosed but final Closing Disclosure $XXX,XXX.XXile does not contain a valid COC for this fee, nor evidence of cure is provided in file. |
REVIEWER - CURED COMMENT (2025-07-31): Sufficient Cure Provided At Closing | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001368 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (75215) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of valuation (Delivered XX/XX/XXXX)/ closing XX/XX/XXXX) to applicant three (3) business days prior to consummation. | REVIEWER - CURED COMMENT (2025-07-31): Sufficient Cure Provided At Closing | - | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001369 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | Loan is to be securitized. Secondary valuation is missing. | 1 | - | A | A | D | D | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001370 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | QM (APOR) Risk | 3 | 3 | [3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds AUS total debt ratio of X.XX%. [3] Income Documentation - Income documentation requirements not met. |
Total debt ratio of X.XX% exceeds AUS total debt ratio of X.XX%. The DTI ratio of X.XX%, exceeds AUS approval DTI of 43%. The co-borrower's recalculated commissions income of $XXX.XX5.71 is lower than lender's calculated income of $XXX.XX4.83 |
3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | Loan is to be securitized. Secondary valuation is missing | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. [3] Federal Compliance - General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines: General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of X.XX% significantly exceeds the guideline maximum of X.XX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) [3] Federal Compliance - General QM Provision Investor Guidelines Violation: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. [3] Federal Compliance - Income/Asset Guideline Deficiency - QM Impact: General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |
Federal Compliance - Check Loan Designation Match - QM: Exception XXXX is firing due to DTI ratio of X.XX%, exceeds AUS approval DTI of XX%. The co-borrower's recalculated commissions income of $XXX.XX is lower than lender's calculated income of $XXX.XX Federal Compliance - General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines: Waterfall due to DTI ratio of X.XX%, exceeds AUS approval DTI of XX%. The co-borrower's recalculated commissions income of $XXX.XX is lower than lender's calculated income of $XXX.XX Federal Compliance - General QM Provision Investor Guidelines Violation: Waterfall due to DTI ratio of X.XX%, exceeds AUS approval DTI of XX%. The co-borrower's recalculated commissions income of $XXX.XX is lower than lender's calculated income of $XXX.XX Federal Compliance - Income/Asset Guideline Deficiency - QM Impact: Waterfall due to DTI ratio of X.XX%, exceeds AUS approval DTI of XX%. The co-borrower's recalculated commissions income of $XXX.XX is lower than lender's calculated income of $XXX.XX |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | TILA ATR/QM | C | C | D | D | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001371 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 1 | 3 | [3] Appraisal Data Integrity - Square feet on the Appraisal does not match the square feet on the BPO.: Valuation Type: BPO / Valuation Report Date: XX/XX/XXXX | Appraisal reported 2186 square feet of gross living area however BPO reported 2160. | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7520) | REVIEWER - CURED COMMENT (2025-08-01): Sufficient Cure Provided At Closing | - | A | A | C | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001372 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | - | C | B | A | C | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001373 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | Loan is to be securitized. Secondary valuation is missing. | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXXX/15689340) [3] Federal Compliance - Retirement Documentation: Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (Myers,Kimberly Retired/Pension) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7520) |
Federal Compliance - Check Loan Designation Match - QM: Exception XXXX is due to Refer Eligible AUS decisioning. Federal Compliance - HUD QM AU Finding Fail: Subject loan is not eligible to be insured or guaranteed by FHA. Federal Compliance - QM Employment History: Waterfall due to Refer Eligible AUS decisioning. Federal Compliance - Retirement Documentation: Waterfall due to Refer Eligible AUS decisioning. |
REVIEWER - CURED COMMENT (2025-07-25): Sufficient Cure Provided At Closing | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | TILA ATR/QM | A | C | D | D | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001374 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | QM (APOR) Risk | 3 | 3 | [3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds AUS total debt ratio of X.XX%. [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met |
Loan was AUS/DU approved with a DTI of X.XX%, and the VVOE reflects Inactive and due diligence excluded the income and calculated higher DTI. This is waterfalling to ATR/QM standard requirement of maximum 43%. Loan was AUS/DU approved with a DTI of X.XX%, and the VVOE reflects Inactive and due diligence excluded the income, calculating a higher DTI. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. [3] Federal Compliance - General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines: General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of X.XX% significantly exceeds the guideline maximum of X.XX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) [3] Federal Compliance - General QM Provision Investor Guidelines Violation: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. [3] Federal Compliance - Guideline Deficiency - QM Impact: General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [2] State Compliance - XXXX Counseling Agencies Disclosure Not in File: XXXX HB1399 - No evidence of required counseling disclosure language per XXXX HB 1399. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |
Federal Compliance - Check Loan Designation Match - QM: Loan was AUS/DU approved with a DTI of X.XX%, and the VVOE reflects Inactive and due diligence excluded the income and calculated higher DTI. This is waterfalling to ATR/QM standard requirement of maximum 43%, resulting in a Loan Designation discrepancy. Federal Compliance - General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines: Loan was AUS/DU approved with a DTI of X.XX%, and the VVOE reflects Inactive and due diligence excluded the income and calculated higher DTI. This is waterfalling to ATR/QM standard requirement of maximum 43%. Federal Compliance - General QM Provision Investor Guidelines Violation: Loan was AUS/DU approved with a DTI of X.XX%, and the VVOE reflects Inactive and due diligence excluded the income and calculated higher DTI. This is waterfalling to ATR/QM standard requirement of maximum 43%. Federal Compliance - Guideline Deficiency - QM Impact: Loan was AUS/DU approved with a DTI of X.XX%, and the VVOE reflects Inactive and due diligence excluded the income and calculated higher DTI. This is waterfalling to ATR/QM standard requirement of maximum 43%. State Compliance - XXXX Counseling Agencies Disclosure Not in File: The file is missing MD - Home Counseling Agencies List. Federal Compliance - (Missing Data) Last Rate Set Date: The file is missing Rate lock agreement. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. State Compliance - XXXX Counseling Agencies Disclosure Not in File: HB 1399 does not contain express provisions for assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001375 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001318 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |
Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001376 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 3 | [3] Income Documentation - REO Documents are missing.: Address: XXXXX, XXXXX, Address: XXXXX, XXXXX Insurance Verification Insurance Verification [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX [1] Application / Processing - Missing Document: Flood Certificate not provided |
require HOI policy for XXXXX & 208. The subject property is located in a FEMA Disaster area. Require a post-disaster inspection verifying there was no damage to the subject property. Flood Cert missing in file. |
1 | 2 | [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX) [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) |
Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: No evidence of appraisal being sent to borrower 3 days prior to closing. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence of appraisal being sent to borrower 3 days prior to closing. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence of appraisal being sent to borrower 3 days prior to closing. Federal Compliance - (Missing Data) Last Rate Set Date: Require rate lock agreement with initial rate lock date mention on it. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TIL expiration date XX/XX/XXXXisbursement date XX/XX/XXXXFederal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TIL expiration date XX/XX/XXXXisbursement date XX/XX/XXXXFederal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: The Initial Loan Estimate provided on 11/1/2021 was not received by the borrower at least 4 business days prior to closing date of XX/XX/XXXX. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Recording Fee was disclosed on initial Loan estimate as $XXX.XX2 but disclosed but final Closing Disclosure $XXX.XX24.50. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001377 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. | 1 | 1 | - | C | A | A | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001379 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:518XX/XX/XXXX) [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:518XX/XX/XXXX) |
Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Creditor did not provide a copy of each valuation to applicant three business days prior to Note. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to Note. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to Note. |
- | A | B | A | B | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001380 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | ATR Risk | 3 | 3 | [3] Asset Documentation - Asset documentation requirements not met. [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 0.87 is less than Guideline PITIA months reserves of 6.00. |
Verification of 6 months reserves is required and was not provided. Verification of 6 months PITI reserves is required and was not provided. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Assignment Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (73229) |
Federal Compliance - General Ability To Repay Provision Investor Guidelines: Guideline required verification of 6 months reserves is required and was not provided, causing the loan to test as ATR risk. Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Guideline required verification of 6 months reserves is required and was not provided which impacts ATR Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Assignment Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |
Federal Compliance - Check Loan Designation Match - ATR Risk: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001383 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 1 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: WILDFIRES AND STRAIGHT-LINE WINDS Disaster Declaration Date: XX/XX/XXXX [1] Application / Processing - Missing Document: Missing Final 1003 |
1 | 1 | - | C | A | A | C | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001384 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | ATR Risk | 3 | 3 | [3] Asset Documentation - Asset documentation requirements not met. [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] Income Documentation - Income documentation requirements not met. |
Unable to determine loan requirements due to missing guidelines Unable to determine loan requirements due to missing guidelines Unable to determine loan requirements due to missing guidelines |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: X.XX%, LTV/CLTV: X.XX%%/X.XX%%, Credit Score: 676, Occupancy: Primary, Purpose: Refinance, Cash-out - Other [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |
Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to determine loan requirements due to missing guidelines Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Unable to determine loan requirements due to missing guidelines Federal Compliance - General Ability To Repay Provision Investor Guidelines: Unable to determine loan requirements due to missing guidelines Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Unable to determine loan requirements due to missing guidelines Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |
Federal Compliance - Check Loan Designation Match - ATR Risk: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001355 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001356 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Fail | 3 | 3 | [3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds AUS total debt ratio of X.XX%. [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] Application / Processing - Missing Document: AUS not provided |
DTI mismatch due to total debt from credit report was considered $XXX,XXX.XX, but total debt as per the updated credit report dated XX/XX/XXXX is $XXX,XXX.XX minimum payment amount. File is missing final AUS; final 1008 showing AUS approved was used for review. “File is missing final AUS; final 1008 showing AUS approved was used for review.” |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. [3] Federal Compliance - General Ability To Repay Provision Employment - W-2: Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXXX./Wages) [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of X.XX% moderately exceeds the guideline maximum of X.XX%. (DTI Exception is eligible to be regraded with compensating factors.) [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7591) |
Federal Compliance - Check Loan Designation Match - ATR: Loan Designation mismatch due to missing pre-closing verification of employment and DTI mismatch. Federal Compliance - General Ability To Repay Provision Employment - W-2: Verification of employment is dated XX/XX/XXXX - after the closing date of XX/XX/XXXX. Federal Compliance - General Ability To Repay Provision Investor Guidelines: Waterfall due to missing pre-closing verification of employment and DTI mismatch. Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: DTI mismatch due to total debt from credit report was considered $XXX,XXX.XX, but total debt as per the updated credit report dated XX/XX/XXXX is $XXX,XXX.XX minimum payment amount. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. |
Federal Compliance - Check Loan Designation Match - ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - General Ability To Repay Provision Employment - W-2: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001358 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Risk | 3 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE WINTER STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES Disaster Declaration Date: XX/XX/XXXX |
At the time of appraisal inspection is not required. | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: X.XX%, LTV/CLTV: X.XX%/X.XX%, Credit Score: 701, Occupancy: Primary, Purpose: Purchase, [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX,XXX.XX is over disclosed by $XXX,XXX.XX compared to the calculated Amount Financed of $XXX,XXX.XX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX) |
Federal Compliance - Check Loan Designation Match - ATR Risk: Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Loan is waterfalling to ATR/QM standard requirements due to AUS result being Refer with Caution. Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Loan is waterfalling to ATR/QM standard requirements due to AUS result being Refer with Caution. Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Updated as per the closing disclosure correctly. Federal Compliance - TRID Final Closing Disclosure Finance Charge: Updated as per the closing disclosure correctly. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Updated as per the closing disclosure correctly. Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Updated as per the closing disclosure correctly. |
Federal Compliance - Check Loan Designation Match - ATR Risk: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001359 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] Mortgage / Program Eligibility - AUS Findings: Combined High loan to value discrepancy.: Calculated high loan to value percentage of X.XX% exceeds AUS high loan to value percentage of X.XX% [3] Mortgage / Program Eligibility - AUS Findings: Combined loan to value discrepancy.: Calculated combined loan to value percentage of X.XX% exceeds AUS combined loan to value percentage of X.XX%. [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Loan to value discrepancy.: Calculated loan to value percentage of X.XX% exceeds AUS loan to value percentage of X.XX%. [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |
Calculated high loan to value percentage of X.XX% exceeds AUS high loan to value percentage of X.XX% Calculated high loan to value percentage of X.XX% exceeds AUS high loan to value percentage of X.XX% Calculated loan to value percentage of X.XX% exceeds AUS loan to value percentage of X.XX%. |
1 | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated total of payments of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX) [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Federal Compliance - (Missing Data) Last Rate Set Date: Rate lock document not provided. Federal Compliance - TRID Final Closing Disclosure Finance Charge: The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final closing disclosure dated XX/XX/XXXX disclosed a Total of payments of $XXX,XXX.XX . The calculated finance charge is $XXX,XXX.XX creating a variance of $XXX.XX0. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |
Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001360 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. | 1 | 2 | [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Loan Estimate Seven Day Waiting Period: TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least seven (7) business days prior to closing. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (InitiXX/XX/XXXX) |
Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. Federal Compliance - TRID Loan Estimate Seven Day Waiting Period: Loan Estimate was not delivered or placed in the mail to the borrower at least seven (7) business days prior to closing. Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. |
Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Loan Estimate Seven Day Waiting Period: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001432 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) |
Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. A valid COC or cure was not provided. |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001441 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] Missing Document - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) |
Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Initial Closing Disclosure dated XX/XX/XXXX not provided to Borrower at least three (3) business days prior to closing. |
Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Material violations for inaccurate disclosures carry assignee liability. Non-material if amounts disclosed includes both borrower and non-borrower paid escrow amounts. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001442 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001444 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Exempt from ATR | 3 | 3 | [3] Asset Documentation - Asset documentation requirements not met. [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 6.55 is less than Guideline PITIA months reserves of 9.00. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX |
Bank statements are missing to meet reserve requirements. Loans greater than 1 million require 9 months reserves and 6 months were verified. Bank statements are missing to meet reserve requirements. Loans greater than 1 million require 9 months reserves and 6 months were verified. The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |
1 | 2 | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (75103) |
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List of Homeownership Counseling Organizations is missing in file. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Re-Inspection Fee on closing disclosure is $XXX,XXX.XX and on loan estimate $XXX,XXX.XX. No Valid Change circumstance in file. |
REVIEWER - CURED COMMENT (2025-08-22): Sufficient Cure Provided At Closing | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | C | B | A | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001456 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |
Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: There is generally no Assignee Liability. | - | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001458 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 3 | 3 | [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX,XXX.XX is less than Cash From Borrower $XXX,XXX.XX. [3] Credit Documentation - No evidence of fraud report in file [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE WINTER STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES Disaster Declaration Date: XX/XX/XXXX |
Sufficient assets were not verified to cover amount required to close. A complete Fraud Report is required. |
1 | 3 | [3] Federal Compliance - Other Income - Not to be used for qualifying: Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXXX/Bank Statements) [3] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM. Due Diligence Loan Designation is Non QM. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |
Federal Compliance - Other Income - Not to be used for qualifying: Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXXX/Bank Statements) Federal Compliance - Unknown Loan Designation Test: A loan designation was not provided. The loan tested as Non QM based on the loan documentation. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. Federal Compliance - (Missing Data) Last Rate Set Date: Provide initial rate lock agreement document |
Federal Compliance - Unknown Loan Designation Test: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001453 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Non QM | 2 | 2 | [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 1 | 1 | - | B | A | A | B | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001455 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Fail | 3 | 3 | [3] Income Documentation - Income Docs Missing:: Borrower: XXXX Third Party Verification [3] Income Documentation - Income documentation requirements not met. [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. |
File is missing Third party verification for borrower's self-employed business. File is missing Third party verification for borrower's self-employed business. SitusAMC uses FannieMae’s definition of acceptable coverage. Fannie Mae requires coverage equal to the lesser of the following: 100% of the insurable value of the improvements, as established by the property insurer; or the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount—80% of the insurable value of the improvements—required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained. There is a shortfall of $XXX.XX000. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. [3] Federal Compliance - General Ability To Repay Provision Employment - S-Corp Test: Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (XXXX/S-Corp) [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |
Federal Compliance - Check Loan Designation Match - ATR: Loan designation discrepancy due to missing Third party verification for borrower's self-employed business. Federal Compliance - General Ability To Repay Provision Employment - S-Corp Test: Failure due to missing Third party verification for borrower's self-employed business. Federal Compliance - General Ability To Repay Provision Investor Guidelines: Failure due to missing Third party verification for borrower's self-employed business. Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Failure due to missing Third party verification for borrower's self-employed business. |
Federal Compliance - Check Loan Designation Match - ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - General Ability To Repay Provision Employment - S-Corp Test: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001460 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | ATR Fail | 3 | 3 | [3] Income Documentation - Income Docs Missing:: Borrower: XXXXX Third Party Verification [3] Income Documentation - Income documentation requirements not met. |
Loan is missing the Third-Party Verification of employment. Loan is missing the Third-Party Verification of employment. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. [3] Federal Compliance - General Ability To Repay Provision Employment - S-Corp Test: Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (XXXX/S-Corp) [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership) [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) |
Federal Compliance - Check Loan Designation Match - ATR: Loan is waterfalling due to Third-Party Verification missing in the loan file. Federal Compliance - General Ability To Repay Provision Employment - S-Corp Test: Loan is waterfalling due to Third-Party Verification missing in the loan file. Federal Compliance - General Ability To Repay Provision Investor Guidelines: Loan is missing the Third-Party Verification of employment. Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Loan is missing the Third-Party Verification of employment. Federal Compliance - Self-Employed Tax Return Recency - ATR: The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. Federal Compliance - Self-Employed Tax Return Recency - ATR: The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. |
Federal Compliance - Check Loan Designation Match - ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - General Ability To Repay Provision Employment - S-Corp Test: Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX.XX00, costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001461 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] Application / Processing - Missing Document: AUS not provided |
File is missing the required AUS with all pages. | 1 | 1 | - | C | A | A | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001462 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Risk | 3 | 3 | [3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds AUS total debt ratio of X.XX%. [3] General - Missing Document: Verification of Non-US Citizen Status not provided [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
Calculated investor qualifying total debt ratio of X.XX% exceeds Guideline total debt ratio of X.XX% due to the missing proof that liabilities on the AUS have been paid off. | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of X.XX% moderately exceeds the guideline maximum of X.XX%. (DTI Exception is eligible to be regraded with compensating factors.) |
Federal Compliance - Check Loan Designation Match - ATR Risk: Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. Federal Compliance - General Ability To Repay Provision Investor Guidelines: Calculated investor qualifying total debt ratio of X.XX% exceeds Guideline total debt ratio of X.XX% due to the missing proof that liabilities on the AUS have been paid off. Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Calculated investor qualifying total debt ratio of X.XX% exceeds Guideline total debt ratio of X.XX% due to the missing proof that liabilities on the AUS have been paid off. |
Federal Compliance - Check Loan Designation Match - ATR Risk: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001472 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | Non QM | 3 | 3 | [3] Application / Processing - Mismatch of data related to Occupancy.: Borrower: XXXXX Occupancy: Second Home; Declarations/Will borrower occupy: Yes [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
Mismatch of data. Borrower answered yes to occupying the property as a Primary residence. | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7729) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Lender's Title Insurance. was last disclosed as $XXX,XXX.XX on LE but disclosed as $XXX,XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX,XXX.XX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001474 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Exempt from ATR | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7755) | REVIEWER - CURED COMMENT (2025-08-25): Sufficient Cure Provided At Closing | - | A | A | A | A | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001475 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Exempt from ATR | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7591) |
Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment Test: Final Closing Disclosure provided on XX/XX/XXXX is missing page 2. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Mortgage Insurance Premium was last disclosed as $XXX,XXX.XX on LE but disclosed as $XXX,XXX.XX on Final Closing Disclosure. Files contain a valid COC for this fee; D0501. |
Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001476 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Exempt from ATR | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001477 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement [3] Loan File - Missing Document: Hazard Insurance Policy not provided [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: WILDFIRES AND STRAIGHT-LINE WINDS Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Initial Closing Disclosure is missing. |
Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000793 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 1 | 1 | 1 | - | A | A | A | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001443 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 3 | 3 | [3] Miscellaneous - Credit Exception: [3] Guideline Issue - The Guarantor's Percent of Business Ownership does not meet guideline requirements.: Borrower: XXXX% of Business Ownership: X.XX% |
100% Gift funds used for reserves with compensating factors Fico is 10+ > Guides and low credit utilization. Minimum ownership requirement per guidelines is 25%. Guidelines requirement not met. |
1 | - | C | A | C | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001459 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Maximum Loan Amount discrepancy.: Note loan amount of $XXX.XX is greater than Guideline maximum loan amount of $XXX.XX. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: WILDFIRES AND STRAIGHT-LINE WINDS Disaster Declaration Date: XX/XX/XXXX |
Lender exception with satisfied status: according to the underwriting matrix dated XX/XX/XXXXthe maximum loan amount for a B grade loan is $XXX.XX. The loan was approved with a loan amount of $XXX.XX which exceeds the maximum loan amount allowed and evidence of an exception for the loan amount is not in the loan file. | 1 | - | C | A | C | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001378 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Application / Processing - Missing Document: Spousal Consent Form not provided [3] General - Missing Document: Spousal Consent not provided.: Borrower: XXXX [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE WINTER STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES Disaster Declaration Date: XX/XX/XXXX |
Borrower resides in a community property state and Spousal Consent is missing. Duplicate exception The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. |
1 | - | C | A | C | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001464 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $XXX,XXX.XX is less than AUS qualifying asset balance of $XXX,XXX.XX. [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX,XXX.XX is less than Cash From Borrower $XXX,XXX.XX. [3] Government Documentation - FHA - Amendatory Clause is not compliant.: Disclosure: FHA - Amendatory Clause (Government Documents) [3] Government Documentation - FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant.: Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents) [3] General - FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) [3] Income Documentation - Income Docs Missing:: Borrower: XXXX VVOE - Employment Only [3] Appraisal Documentation - Missing Document: Appraisal not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Application / Processing - Missing Document: General Services Administration (GSA) not provided [3] General - Missing Document: Source of Funds/Deposit not provided [3] Missing Document - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. [3] Guideline Issue - The FHA Minimum Required Investment was not met per the documented Assets in file.: Total Borrower Contribution (Per Assets): $XXX,XXX.XX; Borrower's % Investment (Per Assets): X.XX% [3] Income Documentation - The verification of employment is not within 10 business days of the Note.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX [2] Government Documentation - FHA - Amendatory Clause was provided at or after closing.: Disclosure: FHA - Amendatory Clause (Government Documents) Provided Date: XX/XX/XXXX; Consummation Date: XX/XX/XXXX [2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) [2] Government Documentation - FHA - Real Estate Certification was provided at or after closing.: Disclosure: FHA - Real Estate Certification (Government Documents) Provided Date: XX/XX/XXXX; Consummation Date: XX/XX/XXXX |
AUS Findings: Qualifying asset balance discrepancy. Appraisal is missing Final HUD Addendum to the Loan Application 92900-A is not compliant. To be compliant, borrower(s) signature(s) MUST be on both Part IV and Part V of Page 2, along with a signature on Page 4. The DE Signature and CHUMS ID is required for a Manual Underwrite. The lender MUST sign page 1 and 4. The verification of employment is not within 10 business days of the Note. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Higher Priced QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - (State HPML Disclosure) XXXX Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided): XXXX Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. [2] State Compliance - XXXX HPML Threshold Test Non-Compliant: XXXX Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Loan. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Federal Compliance - Check Loan Designation Match - QM: Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Higher Priced QM. Federal Compliance - HUD QM AU Finding Fail: Subject loan is not eligible to be insured or guaranteed by FHA. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: reditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. State Compliance - (State HPML Disclosure) XXXX Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided): Any licensee that violations the Regulations will be subject to the penalty provisions under the Lender Law. For willful violations, any person who violates any Regulation is guilty of a felony and on conviction is subject to a fine not exceeding $XXX.XX000 or imprisonment not exceeding 10 years, or both. Additionally, the Commissioner has the authority to suspend or revoke any license for failure to comply with the Regulations. Finally, the Commissioner may also order the licensee to cease and desist from a specific activity, or permanently stop doing business in the State of XXXX. Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | D | C | A | D | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001537 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: The file is missing one or more of the core documents required for a review. Please provide a Note, final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, and all issued LE's and CD's or TIL’s, GFE’s and HUD1’s. | REVIEWER - GENERAL COMMENT (2025-05-30): Still missing a Note, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, and all issued LE's and CD's REVIEWER - CLEARED COMMENT (2025-06-02): Sufficient documentation provided for initial review. REVIEWER - GENERAL COMMENT (2025-06-11): Upon further review, this loan was manually underwritten for which guidelines were not provided. |
UTD | Indeterminable | A | D | A | D | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001521 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Risk | 3 | 3 | [3] Asset Documentation - Asset documentation requirements not met. [3] Income Eligibility - Borrower has un-audited YTD P&L and does not have 2 months Account statements. (GSE COVID-19): Borrower: XXXXX // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: XX/XX/XXXX [3] General - Missing Document: Account Statements - Personal not provided [3] General - Missing Document: Account Statements - Personal not provided [3] Document Error - YTD P&L Statement was not signed and/or dated by Borrower. (GSE COVID-19): Borrower: XXXXX // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: XX/XX/XXXX // Document: P&L Statement / Document Date: XX/XX/XXXX / Tax Year: <empty> [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: TORNADOES Disaster Declaration Date: XX/XX/XXXX |
One month bank statement was provided, AUS requires bank statements covering 2 months. File is missing audited P&L Statement. One month bank statement was provided, AUS requires bank statements covering 2 months. One month bank statement was provided, AUS requires bank statements covering 2 months. File is missing audited P&L statement. The subject property is located in a FEMA Disaster area provide A post disaster inspection verifying there was no damage to the subject property is required . |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXXX,XXXXX XXXX/Schedule C) [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure XX/XX/XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (FinXX/XX/XXXX) |
Federal Compliance - Check Loan Designation Match - QM: Loan Designation discrepancy due to missing bank statement and audited P&L statement. Federal Compliance - General Ability To Repay Provision Investor Guidelines: Waterfall due to missing bank statement and audited P&L statement. Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Waterfall due to missing bank statement and audited P&L statement. Federal Compliance - Sole Proprietorship Income Documentation Test: File is missing audited P&L statement as well as the balance sheet. Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: Seller Closing Disclosure provided did not disclose any seller paid fees. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001526 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7506) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7200) |
REVIEWER - CURED COMMENT (2025-06-03): Sufficient Cure Provided At Closing REVIEWER - CURED COMMENT (2025-06-03): Sufficient Cure Provided At Closing |
- | A | B | A | B | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001533 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (43-Q) | 1 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA Disaster area. Require a post-disaster inspection verifying there was no damage to the subject property. | 1 | 1 | - | C | A | A | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001513 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | - | A | B | A | B | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001515 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE WINTER STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES Disaster Declaration Date: XX/XX/XXXX |
The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. | 1 | 1 | - | C | A | A | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001517 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX,XXX.XX is over disclosed by $XXX,XXX.XX compared to the calculated Amount Financed of $XXX,XXX.XX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: The disclosed Amount Financed of $XXX,XXX.XX is overstated by $XXX,XXX.XX compared to the calculated Amount Financed of $XXX,XXX.XX. As a result, the disclosed Finance Charge does not fall within the applicable tolerance thresholds required for the Amount Financed to be considered accurate. Federal Compliance - TRID Final Closing Disclosure Finance Charge: The disclosed Finance Charge of $XXX,XXX.XX is understated by $XXX,XXX.XX when compared to the calculated Finance Charge of $XXX,XXX.XX, thereby exceeding the permissible disclosure tolerance of $XXX,XXX.XX |
Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001518 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7520) |
Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrowers at least three business days prior to closing. | REVIEWER - CURED COMMENT (2025-06-04): Sufficient Cure Provided At Closing | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001519 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 3 | 3 | [3] Income Documentation - Income documentation requirements not met. [3] Income Documentation - The verification of employment is required and was not found in file.: Borrower:XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS AND TORNADOES Disaster Declaration Date: XX/XX/XXXX |
Verification of employment is missing for the co borrower. Verification of Employment is missing for the co borrower. The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. [2] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXXX/15401518) |
Federal Compliance - Check Loan Designation Match - QM: Verification of Employment is missing for the co borrower. Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Verification of Employment is missing for the co borrower. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001520 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Safe Harbor QM (APOR) | 3 | 3 | [3] Guideline Issue - Fannie Mae/Freddie Mac do not permit Texas Section 50(a)(6) on multi-unit properties.: # of Units: 2 | 1 | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |
Federal Compliance - (Missing Data) Last Rate Set Date: Rate lock document is missing in the loan file. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient cure was provided at closing. |
REVIEWER - CURED COMMENT (2025-06-04): Sufficient Cure Provided At Closing | - | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001522 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | N/A | 3 | 1 | 3 | [3] General - Subject is not in average or better condition.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX Property Condition: C5 |
Subject property condition is C5, not an acceptable condition per guidelines. | 1 | - | A | A | C | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001523 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] Government Documentation - Conditional Commitment (Signed) RD 3555-18 or RD 3555-18E is missing.: Disclosure: USDA - Conditional Commitment (Signed) RD 3555-18 or RD 3555-18E (Government Documents) [3] Application / Processing - Missing Document: General Services Administration (GSA) not provided [3] Guideline Issue - This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing: 2 months reserves or Employer Letter within 10 days before note date or prior to disbursement date.: Borrower: XXXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX Note Date: XX/XX/XXXX [3] Guideline Issue - This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing: 2 months reserves or Employer Letter within 10 days before note date or prior to disbursement date.: Borrower: XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX Note Date: XX/XX/XXXX [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX |
Most recent verification of employment is dated 11/4/2020 over 10 days prior to XX/XX/XXXX Note date. Most recent verification of employment is dated XX/XX/XXXX over 10 days prior to XX/XX/XXXX Note date. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXXX/15401522) |
Federal Compliance - Check Loan Designation Match - QM: Waterfall finding due to missing verification of employment is dated 10 days prior to Note date, resulting in a loan designation discrepancy. Federal Compliance - QM Employment History: Waterfall finding due to verification of employment is dated 10 days prior to Note date. |
SELLER - GENERAL COMMENT (2025-06-25): Is there something we can do to fix? REVIEWER - GENERAL COMMENT (2025-06-25): Missing reverification of employment performed within 10 days of closing does not meet HUD Safe Harbor QM/FHA employment verification requirements. The only way to clear the exceptions would be to either provide a VVOE performed within 10 business days of the note date or to restate the loan designation to NonQM. SELLER - GENERAL COMMENT (2025-06-25): Is there something we can do to fix? REVIEWER - GENERAL COMMENT (2025-06-26): Missing reverification of employment performed within 10 days of closing does not meet HUD Safe Harbor QM/FHA employment verification requirements. The only way to clear the exceptions would be to either provide a VVOE performed within 10 business days of the note date or to restate the loan designation to NonQM. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | TILA ATR/QM | C | C | A | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001524 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | Higher Priced QM (APOR) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA Disaster area. Require a post-disaster inspection verifying there was no damage to the subject property. | 1 | 2 | [2] Document Error - Closing Disclosure: Dates are not in chronological order.: Date Issued: XX/XX/XXXX Issue Date: XX/XX/XXXX; Received Date: XX/XX/XXXX; Signed Date: XX/XX/XXXX [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (75103) |
Document Error - Closing Disclosure: Dates are not in chronological order.: Closing disclosure issue date is XX/XX/XXXX whereas signature date is XX/XX/XXXX. | REVIEWER - CURED COMMENT (2025-06-04): Sufficient Cure Provided At Closing | - | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001525 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 3 | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES Disaster Declaration Date: XX/XX/XXXX |
HOI coverage is insufficient by $XXX,XXX.XX. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos, and the property must be re-inspected on or after XX/XX/XXXX declared end date. |
1 | 1 | - | C | A | A | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001532 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Closing / Title - (Doc Error) HUD Error: Interest rate on page 3 of the final HUD was not provided. [2] Closing / Title - (Doc Error) HUD Error: Loan term on page 3 of the final HUD was not provided. [2] Closing / Title - (Doc Error) HUD Error: Principal, interest and MI payment on page 3 of the final HUD was not provided. [2] Closing / Title - (Doc Error) HUD Error: Balloon term question on page 3 of the final HUD was not provided. [2] Closing / Title - (Doc Error) HUD Error: Can your interest rate rise question on page 3 of the final HUD was not provided. [2] Closing / Title - (Doc Error) HUD Error: Can your loan balance rise question on page 3 of the final HUD was not provided. [2] Closing / Title - (Doc Error) HUD Error: Can your monthly payment amount owed rise question on page 3 of the final HUD was not provided. [2] Closing / Title - (Doc Error) HUD Error: Escrow question on page 3 of the final HUD was not provided. [2] Closing / Title - (Doc Error) HUD Error: Prepayment penalty question on page 3 of the final HUD was not provided. [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 indicates the loan contains an escrow payment due to missing information. [2] Federal Compliance - RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual interest rate due to missing information. [2] Federal Compliance - RESPA (2010) - Loan Term on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual Loan Term due to missing information. [2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual payment due to missing information. |
Closing / Title - (Doc Error) HUD Error: Interest rate on page 3 of the final HUD was not provided.: Page 3 of Final HUD was not completed. Closing / Title - (Doc Error) HUD Error: Loan term on page 3 of the final HUD was not provided.: Page 3 of Final HUD was not completed. Closing / Title - (Doc Error) HUD Error: Principal, interest and MI payment on page 3 of the final HUD was not provided.: Page 3 of Final HUD was not completed. Closing / Title - (Doc Error) HUD Error: Balloon term question on page 3 of the final HUD was not provided.: Page 3 of Final HUD was not completed. Closing / Title - (Doc Error) HUD Error: Can your interest rate rise question on page 3 of the final HUD was not provided.: Page 3 of Final HUD was not completed. Closing / Title - (Doc Error) HUD Error: Can your loan balance rise question on page 3 of the final HUD was not provided.: Page 3 of Final HUD was not completed. Closing / Title - (Doc Error) HUD Error: Can your monthly payment amount owed rise question on page 3 of the final HUD was not provided.: Page 3 of Final HUD was not completed. Closing / Title - (Doc Error) HUD Error: Escrow question on page 3 of the final HUD was not provided.: Page 3 of Final HUD was not completed. Closing / Title - (Doc Error) HUD Error: Prepayment penalty question on page 3 of the final HUD was not provided.: Page 3 of Final HUD was not completed. Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: 10% tolerance violation without evidence of sufficient cure provided. Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: Page 3 of Final HUD was not completed. Federal Compliance - RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: Page 3 of Final HUD was not completed. Federal Compliance - RESPA (2010) - Loan Term on Final HUD-1 Inaccurate: Page 3 of Final HUD was not completed. Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: Page 3 of Final HUD was not completed. |
Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Term on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001534 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | QM (APOR) Fail | 3 | 3 | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
The provided hazard insurance coverage amount is shortage of $XXX,XXX.XX required sufficient coverage document. The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. [3] Federal Compliance - QM Points and Fees 2021: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of X.XX% of the Federal Total Loan Amount. Points and Fees total $XXX,XXX.XX on a Federal Total Loan Amount of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX orX.XX%). [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7552) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7200) |
Federal Compliance - Check Loan Designation Match - QM: Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. due to QM Points and Fees. Federal Compliance - QM Points and Fees 2021: Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of X.XX% of the Federal Total Loan Amount. Points and Fees total $XXX,XXX.XX on a Federal Total Loan Amount of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX orX.XX%). Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated XX/XX/XXXX is missing evidence of receipt. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. ( Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. |
SELLER - GENERAL COMMENT (2025-06-26): Is there anything we can do to fix? REVIEWER - GENERAL COMMENT (2025-06-26): The loan failed QM points and fees testing. A Mavent report was provided which is dated post close and does not cure the overdisclosure of points and fees in the amount of $XXX,XXX.XX. SELLER - GENERAL COMMENT (2025-06-26): Is there anything we can do to fix? REVIEWER - GENERAL COMMENT (2025-06-26): The loan failed QM points and fees testing. A Mavent report was provided which is dated post close. The disclosed undiscounted rate and price disclosed on the report does not cure the overdisclosure of points and fees in the amount of $XXX,XXX.XX. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001540 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of 618 is less than Guideline representative FICO score of 620. [3] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided [2] General - Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |
Borrower does not meet minimum FICO score of 620. File is missing Verification of Rent (VOR) and Verification of Mortgage (VOM) to verify 12 months' housing history required by guidelines. |
3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal was made subject to and appraisal update was missing in file. | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:431XX/XX/XXXX) [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:431XX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: File is missing evidence of receipt of appraisal. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: File is missing evidence of receipt of appraisal. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: File is missing evidence of receipt of appraisal. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Only Closing Disclosure in file is the final Closing Disclosure issued XX/XX/XXXX and closing was XX/XX/XXXX. |
Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | C | B | C | C | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001541 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds Guideline total debt ratio of X.XX%. | Calculated investor qualifying total debt ratio of X.XX% exceeds Guideline total debt ratio of X.XX%. | REVIEWER - WAIVED COMMENT (2025-07-08): Client restates designation to Non-QM. DTI slightly exceeds guideline max. | 1 | 2 | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (8304) |
Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM. | REVIEWER - CURED COMMENT (2025-06-23): Sufficient Cure Provided At Closing | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $XXX.XX. |
- | B | B | A | B | ||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001465 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] General - FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided [1] Application / Processing - Flood Certificate Error: Certificate Number was not provided. |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001468 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an Recording service fee $XXX.XX and Title Courier/Messenger Fee$XXX.XX as prepaid finance charge. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001467 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Flood Certificate not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. [2] State Compliance - Idaho Prepayment Penalty: Idaho Prepayment Penalty: Loan contains a prepayment penalty which was not disclosed separately in writing to borrower. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |
Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001463 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |
2 | [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001466 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty: Maximum prepay allowed is 6 months interest calculated on 80% of the original balance ($XXX,XXX.XX). Loan contracts for maximum calculated prepay of $XXX,XXX.XX, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date ofXX/XX/XXXX 12:00:00 AM. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001469 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Flood Certificate not provided | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): XXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001470 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Purchase | 2 | [3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001471 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to lenders TIL utilized an index lower than available within look back. Lowest index within look back is X.XX%. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Liability for violations cannot be transferred to a subsequent purchaser of a loan. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001473 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Missing Initial Loan Application Test: A 6-month lookback from consummation was performed. Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a Recording Service fee of $XXX.XX, an Attorney Fee of $XXX.XX and Title Pick up Fee of $XXX.XX as prepaid finance charges and disclosed Settlement Closing fees of $XXX.XX and final HUD reflects $XXX,XXX.XXIL Itemization disclosed a Courier fee of -$XXX.XX, a Funding fee of $XXX.XX and a Payoff fee of $XXX.XXas prepaid finance charges and final HUD reflects $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001531 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Flood Certificate not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
REVIEWER - GENERAL COMMENT (2025-06-11): Flood Cert provided does not include full address for subject. Exception remains. | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
REVIEWER - GENERAL COMMENT (2025-06-11): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. | Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001535 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX,XXX.XX does not match calculated P&I of $XXX,XXX.XX. Note P&I was used for the APR calculation and compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose Service charges of $XXX.XX Tax Service fee of $XXX.XXand Courier fee of $XXX.XXas prepaid finance charge. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001538 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Flood Certificate not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001530 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Financing Agreement: Missing Financing Agreement. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Missing Initial Loan Application No Fees: A 6-month lookback from consummation was performed. | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. | TR Indeterminable | C | C | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001516 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Flood Certificate not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX,XXX.XX does not match calculated P&I of $XXX,XXX.XX. Note P&I was used for the APR calculation and compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. [2] Federal Compliance - RESPA (2010) - Balloon Amount Due on GFE Inaccurate: RESPA (2010): Balloon amount due on GFE does not match actual balloon amount. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA (2010) - Balloon Amount Due on Final HUD-1 Inaccurate: RESPA (2010): Balloon amount due on Final HUD-1 does not match actual balloon amount. [2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): XXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Balloon Amount Due on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Balloon Amount Due on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001539 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX,XXX.XX does not match calculated P&I of $XXX,XXX.XX. Note P&I was used for the APR calculation and compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Federal HPML 2009 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified): Federal Higher Priced Mortgage Loan: Borrower’s ability to repay not verified with reliable documentation. [2] Miscellaneous Compliance - (Doc Error) GFE Error: Rate lock period not provided.: GFE Date: XX/XX/XXXX [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Missing Initial Loan Application Test: A 6-month lookback from consummation was performed. Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Federal HPML 2009 Non Compliant: TILA HPML - Subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Liability appears to be limited to originators/licensees. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001490 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | The file is missing one or more of the core documents required for a review. Please provide a credit application, an Approval or 1008, asset verification, an origination credit report, and a CD, Closing Statement or HUD1. | REVIEWER - GENERAL COMMENT (2025-06-02): Still missing an origination credit report, | 1 | UTD | Indeterminable | D | A | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001478 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | The file is missing one or more of the core documents required for a review. Please provide a Approval or 1008, income verification, an origination credit report, and all a CD, Closing Statement or HUD1. | REVIEWER - GENERAL COMMENT (2025-06-02): Still missing a copy of a credit report. REVIEWER - GENERAL COMMENT (2025-07-07): Still missing a copy of a credit report as required by the guidelines. |
1 | UTD | Indeterminable | D | A | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001479 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | The file is missing one or more of the core documents required for a review. Please provide a credit application, an origination credit report. | REVIEWER - GENERAL COMMENT (2025-06-02): Still missing a copy of a credit report and guidelines | 1 | UTD | Indeterminable | D | A | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001480 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Insurance Documentation - Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. [3] General - Incomplete Document: 1003 Final is incomplete [3] General - Missing Document: 1007 Rent Comparison Schedule not provided [3] Application / Processing - Missing Document: Background Check not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Loan File - Missing Document: Hazard Insurance Policy not provided [3] Insurance Documentation - Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX [1] Application / Processing - Missing Document: Flood Certificate not provided |
Missing hazard policy effective at time of origination. Final credit application is not signed by the borrowers. 1007 Rent Comparison Schedule is missing in file Fraud Report is missing in file Hazard insurance policy is datedXX/XX/XXXX which is after the note date ofXX/XX/XXXX. Missing policy effective at time of closing. Missing hazard policy effective at time of origination. The subject property is located in a FEMA Disaster area. Require a post-disaster inspection verifying there was no damage to the subject property Flood certificate provided is dated XX/XX/XXXX. Missing certificate effective at time of closing. |
1 | - | C | A | C | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001483 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | The file is missing one or more of the core documents required for a review. Please provide a Approval or 1008, asset verification, an origination credit report, and a CD, Closing Statement or HUD1. | REVIEWER - GENERAL COMMENT (2025-06-02): Still missing an Approval or 1008, asset verification, an origination credit report, a CD, Closing Statement or HUD1, and guidelines. REVIEWER - GENERAL COMMENT (2025-07-07): Still missing a copy of a credit report as required by the guidelines. |
1 | UTD | Indeterminable | D | A | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001485 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Insurance Documentation - Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. [3] Application / Processing - Missing Document: Background Check not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Loan File - Missing Document: Hazard Insurance Policy not provided [1] Application / Processing - Missing Document: Flood Certificate not provided |
Note date is not covering provided policy however current policy is required in the file. Hazard Insurance Policy is missing in the file. Flood certificate provided is dated XX/XX/XXXX, post close from note date ofXX/XX/XXXX. |
1 | - | C | A | C | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001486 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Minimum Loan Amount discrepancy.: Note loan amount of $XXX,XXX.XX is less than Guideline minimum loan amount of $XXX,XXX.XX. [3] Application / Processing - Missing Document: Certificate of Good Standing not provided [3] Credit Documentation - Missing Document: Credit Report not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Credit Documentation - Missing Document: OFAC not provided |
Loan amount $XXX.XX is less than guideline required minimum $XXX,XXX.XXissing Certificate of Good Standing for borrowing entity. Credit report is not provided in file. Fraud report is not provided in file. OFAC is not provided in file. |
REVIEWER - GENERAL COMMENT (2025-06-18): The document provided is dated a year after closing. REVIEWER - GENERAL COMMENT (2025-06-18): The guidelines require OFAC search performed within 45 days of note date. The OFAC search provided is 104 days after closing. |
1 | - | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001487 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Insurance Documentation - Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. [3] Application / Processing - Missing Document: Background Check not provided [3] Application / Processing - Missing Document: Fraud Report not provided [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX [1] Application / Processing - Missing Document: Flood Certificate not provided |
Subject hazard insurance premium is missing from evidence of insurance. Missing background check for the guarantor. The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. Flood certificate provided is dated XX/XX/XXXX. Missing certificate effective at time of closing. |
1 | - | C | A | C | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001488 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Credit Documentation - Missing Document: OFAC not provided [3] Credit Documentation - OFAC was not checked and required per guidelines.: Credit Report: Original // Borrower: XXXX, Credit Report: Original // Borrower: XXXX |
OFAC not provided and required. Foreign national credit report not required. |
REVIEWER - GENERAL COMMENT (2025-06-18): The guidelines require OFAC be searched within 45 days of origination date. The OFAC search provided is dated XX/XX/XXXXhich is after the note date. REVIEWER - GENERAL COMMENT (2025-06-18): The guidelines require OFAC be searched within 45 days of origination date. The OFAC search provided is dated XX/XX/XXXXhich is after the note date. |
1 | - | C | A | C | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001491 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Minimum Loan Amount discrepancy.: Note loan amount of $XXX,XXX.XX is less than Guideline minimum loan amount of $XXX,XXX.XX. [3] Credit Documentation - Missing Document: Credit Report not provided [3] Credit Documentation - Missing Document: OFAC not provided [3] Credit Documentation - OFAC was not checked and required per guidelines.: Credit Report: Original // Borrower: XXXX [3] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
Note loan amount of $XXX,XXX.XX is less than Guideline minimum loan amount of $XXX,XXX.XX. Credit Report is missing OFAC is missing OFAC was not checked and required per guidelines. The Hazard Insurance Policy Effective Date of XX/XX/XXXX is after Disbursement Date of XX/XX/XXXX. The Property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there were no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared/end date. |
REVIEWER - GENERAL COMMENT (2025-06-18): The credit report provided is datedXX/XX/XXXX The guidelines require the credit report to be dated within 90 days prior to the note date. Additionally, the report does not contain the borrower's name or any identification of the borrower. REVIEWER - GENERAL COMMENT (2025-06-18): The guidelines require OFAC search within 45 days of application. The OFAC findings provided are dated XX/XX/XXXXhich is 92 days after application. REVIEWER - GENERAL COMMENT (2025-06-18): The guidelines require OFAC search within 45 days of application. The OFAC findings provided are dated XX/XX/XXXXhich is 92 days after application. |
1 | - | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001493 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Application / Processing - Missing Document: Background Check not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Credit Documentation - Missing Document: OFAC not provided [3] Credit Documentation - OFAC was not checked and required per guidelines.: Credit Report: Original // Borrower: XXXX, Credit Report: Original // Borrower: XXXX |
Background check missing in file. Fraud Report is Missing in file. OFAC is Missing in file. OFAC document is Missing in file. |
REVIEWER - GENERAL COMMENT (2025-06-18): The guidelines require OFAC searches performed within 45 days of application. The OFAC provided is dated XX/XX/XXXXhich is 79 days after application. REVIEWER - GENERAL COMMENT (2025-06-18): The guidelines require OFAC searches performed within 45 days of application. The OFAC provided is dated XX/XX/XXXXhich is 79 days after application. |
1 | - | C | A | C | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001494 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 3 | 3 | [3] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXXXX // Account Type: Individual Retirement Account (IRA) / Account Number: XXXX, Financial Institution: Share Owner // Account Type: Savings / Account Number: XXXX, Financial Institution: Share Owner // Account Type: Stocks / Account Number: XXXX, Financial Institution: XXXXX // Account Type: Stocks / Account Number: XXXX, Financial Institution: XXXXX // Account Type: Stocks / Account Number: XXXX, Financial Institution: XXXX // Account Type: Checking / Account Number: XXXX [3] Application / Processing - Missing Document: Background Check not provided [3] Application / Processing - Missing Document: Certificate of Good Standing not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Credit Documentation - Missing Document: OFAC not provided [3] Credit Documentation - OFAC was not checked and required per guidelines.: Credit Report: Original // Borrower: XXXXX, Credit Report: Original // Borrower: XXXXX [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS AND FLOODING Disaster Declaration Date: XX/XX/XXXX [1] Application / Processing - Missing Document: Flood Certificate not provided |
Guidelines require statements evidencing at least two months consecutive activity. Only 1 month was provided for all asset accounts. Certificate of Good Standing in file is not dated within 90 days from the note date. Fraud Report is missing OFAC is missing The Property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there were no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared / end date. Flood determination provided is datedXX/XX/XXXX, not within 90 days from the note date, XX/XX/XXXX. |
REVIEWER - GENERAL COMMENT (2025-06-18): The document provided is not dated within 90 days of the origination as required by the guidelines. The document is datedXX/XX/XXXXREVIEWER - GENERAL COMMENT (2025-06-18): The OFAC search was not performed within 45 days of origination as required by the guidelines. It is datedXX/XX/XXXXREVIEWER - GENERAL COMMENT (2025-06-18): The OFAC search was not performed within 45 days of origination as required by the guidelines. It is dated XX/XX/XXXX. | 1 | - | C | A | C | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001498 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Credit Documentation - Background check is missing.: Credit Report: Original // Borrower: XXXXX [3] Application / Processing - Missing Document: Background Check not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Credit Documentation - Missing Document: OFAC not provided [3] Credit Documentation - OFAC was not checked and required per guidelines.: Credit Report: Original // Borrower: XXXXX |
Background Check is missing in file Background Check is missing in file Fraud Report is missing in file OFAC is missing in file |
REVIEWER - GENERAL COMMENT (2025-06-18): The OFAC search was not performed within 45 days of origination as required by the guidelines. The search was performed 51 days after origination. REVIEWER - GENERAL COMMENT (2025-06-18): The OFAC search was not performed within 45 days of origination as required by the guidelines. The search was performed 51 days after origination. |
1 | - | C | A | C | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001500 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 3 | 3 | [3] Mortgage / Program Eligibility - Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy.: Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.75 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.10. [3] Application / Processing - Missing Document: Background Check not provided [3] Credit Documentation - Missing Document: Credit Report not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX |
Calculated debt ratio of 0.75 does not meet the guideline requirement of 1.10. Background Check is missing in the file. Credit report for both guarantors is missing in the file. Fraud Report for both guarantors is missing in the file. The Hazard Insurance Policy Effective Date XX/XX/XXXX is after the note date XX/XX/XXXX. The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |
REVIEWER - GENERAL COMMENT (2025-06-18): The report provided does not have borrower's names or any indication it is for subject borrower's and is dated 4/4/22 which is more than the guideline allowable 90 day age of documentation requirement. | 1 | - | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001502 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of X.XX% exceeds Guideline loan to value percentage of X.XX%. [3] Application / Processing - Missing Document: Background Check not provided [3] Application / Processing - Missing Document: Employer Identification Number (EIN) not provided [3] Credit Documentation - Missing Document: OFAC not provided [3] Credit Documentation - OFAC was not checked and required per guidelines.: Credit Report: Original // Borrower: XXXX, Credit Report: Original // Borrower: XXXX |
OFAC is not provided. | REVIEWER - GENERAL COMMENT (2025-06-18): ITIN was not located. REVIEWER - GENERAL COMMENT (2025-06-18): The OFAC search was performed 90 days after origination which exceeds the guideline requirement of 45 days, REVIEWER - GENERAL COMMENT (2025-06-18): The OFAC search was performed 90 days after origination which exceeds the guideline requirement of 45 days, |
1 | - | C | A | C | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001528 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | The file is missing one or more of the core documents required for a review. Please provide the entire corrected Note (Exhibit A). | 1 | UTD | Indeterminable | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001536 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | The file is missing one or more of the core documents required for a review. Please provide a 1003 or credit application, an Approval or 1008, asset verification, an origination credit report, and a Closing Statement or HUD1. | REVIEWER - GENERAL COMMENT (2025-06-02): Still missing a Approval or 1008, asset verification, and an origination credit report. | 1 | UTD | Indeterminable | D | A | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001489 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of X.XX% exceeds Guideline loan to value percentage of X.XX%. [3] Credit Documentation - Missing Document: Credit Report not provided [3] Credit Documentation - Missing Document: OFAC not provided [3] Credit Documentation - OFAC was not checked and required per guidelines.: Credit Report: Original // Borrower: XXXXX, Credit Report: Original // Borrower: XXXXX, Credit Report: Original // Borrower: Omer Lewinsky |
Calculated loan to value percentage of X.XX% exceeds Guideline loan to value percentage of X.XX%. Credit Report is missing in file. OFAC is missing in file. OFAC missing in file. |
REVIEWER - GENERAL COMMENT (2025-06-18): The OFAC search was performed within 45 days of application as required by the guidelines. The application date isXX/XX/XXXX OFAC date isXX/XX/XXXX. REVIEWER - GENERAL COMMENT (2025-06-18): The OFAC search was performed within 45 days of application as required by the guidelines. The application date isXX/XX/XXXX OFAC date isXX/XX/XXXX. |
1 | - | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001496 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of X.XX% exceeds Guideline combined loan to value percentage of X.XX%. [3] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of X.XX% exceeds Guideline loan to value percentage of X.XX%. [3] Application / Processing - Missing Document: Background Check not provided [3] Credit Documentation - Missing Document: Credit Report not provided [3] Application / Processing - Missing Document: Fraud Report not provided |
Calculated combined loan to value percentage of X.XX% exceeds Guideline combined loan to value percentage of X.XX%. Calculated loan to value percentage of X.XX% exceeds Guideline loan to value percentage of X.XX% Background Check missing in the file. Credit Report missing in the file. Fraud Report missing in the file. |
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| XXXX | XXXX | XXXX | XXXX XXXX | 001497 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Application / Processing - Missing Document: Background Check not provided [3] Credit Documentation - Missing Document: Credit Report not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX |
Background Check is missing in file File is missing Credit report. Fraud Report is missing in file The Hazard Insurance Policy Effective Date of XX/XX/XXXX is after closing date of XX/XX/XXXX. |
REVIEWER - GENERAL COMMENT (2025-06-18): Credit report not provided. An item labeled credit report was provided, but it was not translated to english. | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal was made subject to and 442 is not in images. | - | D | C | D | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001499 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Credit Documentation - Missing Document: OFAC not provided [3] Credit Documentation - OFAC was not checked and required per guidelines.: Credit Report: Original // Borrower: XXXX |
OFAC missing in the file. OFAC is missing in the file however exception is raised |
REVIEWER - GENERAL COMMENT (2025-06-18): The OFAC search was not performed within 45 days of application as required by the guidelines. REVIEWER - GENERAL COMMENT (2025-06-18): The OFAC search was not performed within 45 days of application as required by the guidelines. |
1 | - | C | A | C | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001504 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | The file is missing one or more of the core documents required for a review. Please provide a credit application, a closing statement, CD or HUD1 and credit report. | REVIEWER - GENERAL COMMENT (2025-07-07): Still missing a copy of a credit report as required by the guidelines. | 1 | UTD | Indeterminable | D | A | D | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001505 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | The file is missing one or more of the core documents required for a review. Please provide a credit application and an origination credit report. | 1 | UTD | Indeterminable | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001506 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Application / Processing - Missing Document: Background Check not provided [3] Application / Processing - Missing Document: Fraud Report not provided |
Background Check is Missing. Fraud Report is Missing. |
1 | - | C | A | C | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001507 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Credit Documentation - Missing Document: OFAC not provided [3] Credit Documentation - OFAC was not checked and required per guidelines.: Credit Report: Original // Borrower: XXXX, Credit Report: Original // Borrower: XXXX |
OFAC not provided and required. OFAC not provided. |
REVIEWER - GENERAL COMMENT (2025-06-18): An OFAC check must be conducted within 45 days of loan origination, Date of application is XX/XX/XXXX and the document D0433 shows a print date of 07/25.2022. | 3 | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | 442 document not provided. | - | C | C | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001511 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Miscellaneous - Credit Exception: [3] Miscellaneous - Credit Exception: [3] General - Missing Document: HUD/CD not provided [3] Credit Documentation - Missing Document: OFAC not provided [3] Credit Documentation - OFAC was not checked and required per guidelines.: Credit Report: Original // Borrower: XXXX |
Security Instrument in file is dated XX/XX/XXXX. It reflects a Notary Date of 1/5/22 and recording date ofXX/XX/XXXXPlease provide a re-executed Security Instrument with the correct date of XX/XX/XXXX. Note reflects a date of XX/XX/XXXX. Per documentation in file, this loan closed XX/XX/XXXX. Please provide re-executed Note with the correct date. |
REVIEWER - GENERAL COMMENT (2025-06-18): An Ofac check must be conducted within 45 days of the loan origination. Date of application is XX/XX/XXXX and the Ofac document D0480 shows a date of XX/XX/XXXX. REVIEWER - GENERAL COMMENT (2025-06-18): An Ofac check must be conducted within 45 days of the loan origination. Date of application is XX/XX/XXXX and the Ofac document D0480 shows a date of XX/XX/XXXX. |
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| XXXX | XXXX | XXXX | XXXX XXXX | 001529 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 1 | 1 | 1 | - | A | A | A | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001492 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Application / Processing - Missing Document: Background Check not provided [3] Credit Documentation - Missing Document: Credit Report not provided |
Missing background check for the guarantor. Provide most recent credit report. |
1 | - | D | A | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001495 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Address: XXXXX, Address: XXXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX [3] Application / Processing - Missing Document: Background Check not provided [3] Application / Processing - Missing Document: Certificate of Good Standing not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Credit Documentation - Missing Document: OFAC not provided [3] Application / Processing - Missing Document: Tax Certificate not provided: Address: XXXXX [3] Credit Documentation - OFAC was not checked and required per guidelines.: Credit Report: Original // Borrower: XXXXX [1] Application / Processing - Missing Document: Flood Certificate not provided: Address: XXXXX [1] Application / Processing - Missing Document: Flood Certificate not provided: Address: XXXXX [1] Application / Processing - Missing Document: Missing Final 1003 |
Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Certificate of Good Standing provided is not dated within 90 days of the note date. OFAC not provided. Tax Certificate not provided. OFAC was not provided. Flood certificate provided is not dated within 90 days of the note date. Flood certificate provided is not dated within 90 days of the note date. |
REVIEWER - GENERAL COMMENT (2025-06-18): Certificate of good standing should be no more than 90 DAYS from the origination date. Origination date is XX/XX/XXXX while the COGS has a date of XX/XX/XXXX. REVIEWER - GENERAL COMMENT (2025-06-18): An Ofac check must be conducted within 45 days of the loan origination. Date of application is XX/XX/XXXX and the Ofac document D0490 shows a date of XX/XX/XXXX. REVIEWER - GENERAL COMMENT (2025-06-18): An Ofac check must be conducted within 45 days of the loan origination. Date of application is XX/XX/XXXX and the Ofac document D0490 shows a date of XX/XX/XXXX. |
1 | - | C | A | C | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001501 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Application / Processing - Missing Document: Articles of Organization/Formation not provided [3] Application / Processing - Missing Document: Background Check not provided [3] Application / Processing - Missing Document: Certificate of Good Standing not provided |
REVIEWER - GENERAL COMMENT (2025-06-18): Certificate of good standing no more than 90 DAYS from the origination date is missing in file to verify the existence of the business. | 1 | - | C | A | C | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001527 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Credit Documentation - Background check is missing.: Credit Report: Original // Borrower: XXXXX [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Address: XXXXX, Address: XXXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX [3] General - Missing Document: 1007 Rent Comparison Schedule not provided: Address: XXXXX [3] General - Missing Document: 1007 Rent Comparison Schedule not provided: Address: XXXXX [3] Application / Processing - Missing Document: Certificate of Good Standing not provided [3] Application / Processing - Missing Document: Employer Identification Number (EIN) not provided [3] Loan File - Missing Document: Hazard Insurance Policy not provided: Address: XXXXX [3] Loan File - Missing Document: Hazard Insurance Policy not provided: Address: XXXXX [3] Loan File - Missing Document: Hazard Insurance Policy not provided: Address: XXXXX |
1007 Rent Comparison Schedule is missing in file. 1007 Rent Comparison Schedule is missing in file. Certificate of Good Standing is missing in file. Employer Identification Number is missing in file. Hazard Insurance Policy is missing in file. Hazard Insurance Policy is missing in file. Hazard Insurance Policy is missing in file. |
REVIEWER - GENERAL COMMENT (2025-06-18): Certificate of good standing no more than 90 DAYS from the origination date is missing in file to verify the existence of the business. | 1 | - | C | A | C | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001503 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Address: XXXXX, Address: XXXXX, Address: XXXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX [3] Application / Processing - Missing Document: Fraud Report not provided |
1 | - | C | A | C | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001508 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Miscellaneous - Credit Exception: [3] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of X.XX% exceeds Guideline loan to value percentage of X.XX%. [3] General - Missing Document: 1007 Rent Comparison Schedule not provided: Address: XXXXX [3] Credit Documentation - Missing Document: Credit Report not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Credit Documentation - Missing Document: OFAC not provided |
Bank statement in file has a balance of $XXX,XXX.XX, guidelines require liquidity of at least 10% of loan amount for a Refinance. Calculated loan to value percentage of X.XX% exceeds Guideline LTV percentage of X.XX% for a cash-out refinance. OFAC is missing in the file |
REVIEWER - GENERAL COMMENT (2025-06-18): An Ofac check must be conducted within 45 days of the loan origination. Date of application is XX/XX/XXXX and the Ofac document D0705 shows a date of XX/XX/XXXX. | 1 | - | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001509 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Application / Processing - Missing Document: Background Check not provided [3] Application / Processing - Missing Document: Certificate of Good Standing not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Credit Documentation - Missing Document: OFAC not provided [3] Credit Documentation - OFAC was not checked and required per guidelines.: Credit Report: Original // Borrower: XXXXX [3] Insurance Documentation - Rent loss insurance is required on all properties and there is no evidence of this insurance in the file.: Address: XXXXX |
Background Check not Provided. Certification of Good Standing Document missing in Loan File. Fraud Report Document missing in Loan File. OFAC was not Provided OFAC Document missing in Loan File. Rent Loss Insurance missing in Loan File |
REVIEWER - GENERAL COMMENT (2025-06-18): Certificate of good standing no more than 90 DAYS from the origination date is missing in file to verify the existence of the business. REVIEWER - GENERAL COMMENT (2025-06-18): An Ofac check must be conducted within 45 days of the loan origination. Date of application is XX/XX/XXXX and the Ofac document D0115 shows a date of XX/XX/XXXX. REVIEWER - GENERAL COMMENT (2025-06-18): An Ofac check must be conducted within 45 days of the loan origination. Date of application is XX/XX/XXXX and the Ofac document D0115 shows a date of XX/XX/XXXX. |
3 | [3] Valuation Issue - The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal.: Address: XXXX | Appraisal Effective date mismatch with CDA Effective date. | - | C | C | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001510 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Application / Processing - Missing Document: Background Check not provided [3] Application / Processing - Missing Document: Tax Certificate not provided: Address: XXXXX [3] Application / Processing - Missing Document: Tax Certificate not provided: Address: XXXXX |
Background Check is missing in file | 1 | - | C | A | C | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001484 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | The file is missing one or more of the core documents required for a review. Please provide a credit application and an origination credit report. | 1 | UTD | Indeterminable | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001481 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Address: XXXXX, Address: XXXXX, Address: XXXXX, Address: XXXXX, Address: XXXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX [3] General - Missing Document: 1007 Rent Comparison Schedule not provided: Address: XXXXX [3] General - Missing Document: 1007 Rent Comparison Schedule not provided: Address: XXXXX [3] Application / Processing - Missing Document: Background Check not provided [3] Application / Processing - Missing Document: Certificate of Good Standing not provided [3] Loan File - Missing Document: Hazard Insurance Policy not provided: Address: XXXXX [3] Closing / Title - Missing Document: Note - Subject Lien not provided [3] Closing / Title - Missing Document: Title Preliminary not provided [3] Closing / Title - (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I: Note P&I of $XXX,XXX.XX does not match Calculated P&I of $XXX,XXX.XX [3] Credit Documentation - OFAC was not checked and required per guidelines.: Credit Report: Original // Borrower: XXXXX [3] Insurance Documentation - Rent loss insurance is required on all properties and there is no evidence of this insurance in the file.: Address: XXXXX [1] Application / Processing - Missing Document: Flood Certificate not provided: Address: XXXXX |
The subject property is located in a FEMA Disaster area. Require a post-disaster inspection verifying there was no damage to the subject property Missing Document: 1007 Rent Comparison Schedule not provided Missing Document: 1007 Rent Comparison Schedule not provided Background Check is missing in file Current Certificate of Good Standing not provided in file. Missing Document: Hazard Insurance Policy not provided Note is missing in file Title Preliminary is missing in file Original P&I does not equal Original P&I-Calculated. OFAC missing for XXXXX Evidence of Insurance is missing; unable to determine if Rent Loss insurance is in place. Missing Document: Flood Certificate not provided |
REVIEWER - GENERAL COMMENT (2025-06-18): Certificate of good standing no more than 90 DAYS from the origination date is missing in file to verify the existence of the business. REVIEWER - GENERAL COMMENT (2025-06-18): An Ofac check must be conducted within 45 days of the loan origination. Date of application is XX/XX/XXXX and the Ofac document D0648 shows a date of XX/XX/XXXX. |
1 | UTD | Indeterminable | D | A | D | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001482 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Address: XXXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX [3] Application / Processing - Missing Document: Background Check not provided [3] Application / Processing - Missing Document: Fraud Report not provided [1] Application / Processing - Missing Document: Flood Certificate not provided: Address: XXXXX [1] Application / Processing - Missing Document: Flood Certificate not provided: Address: XXXXX [1] Application / Processing - Missing Document: Flood Certificate not provided: Address: XXXXX [1] Application / Processing - Missing Document: Flood Certificate not provided: Address: XXXXX |
Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Flood certificate provided is dated XX/XX/XXXX. Missing certificate effective at time of closing. Flood certificate provided is dated XX/XX/XXXX. Missing certificate effective at time of closing. Flood certificate provided is dated XX/XX/XXXX. Missing certificate effective at time of closing. Flood certificate provided is dated XX/XX/XXXX. Missing certificate effective at time of closing. |
1 | - | C | A | C | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001512 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Address: XXXXX, Address: XXXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX [3] Credit Documentation - Missing Document: Credit Report not provided |
The Property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there were no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared / end date. Credit Report is missing, available report have only one score |
REVIEWER - GENERAL COMMENT (2025-06-18): Provide Credit report for Co-Guarantor. | 1 | - | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001514 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] Application / Processing - Missing Document: Background Check not provided [3] Application / Processing - Missing Document: Fraud Report not provided [3] Credit Documentation - Missing Document: OFAC not provided [3] Closing / Title - Missing Document: Title Preliminary not provided: Address: XXXXX [3] Credit Documentation - OFAC was not checked and required per guidelines.: Credit Report: Original // Borrower: XXXXX [3] Credit Documentation - There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |
Background Check is Missing. Fraud Report is Missing OFAC Document is Missing Title Preliminary/Commitment is Missing for Property "XXXXX" OFAC is Missing. Lease Agreement is Missing for Property "XXXXX. |
REVIEWER - GENERAL COMMENT (2025-06-18): An Ofac check must be conducted within 45 days of the loan origination. Date of application is XX/XX/XXXX and the Ofac document D0328 shows a date of XX/XX/XXXX. REVIEWER - GENERAL COMMENT (2025-06-18): An Ofac check must be conducted within 45 days of the loan origination. Date of application is XX/XX/XXXX and the Ofac document D0328 shows a date of XX/XX/XXXX. |
1 | - | C | A | C | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001431 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List): XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001429 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001336 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: XX/XX/XXXX [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001337 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Closing / Title - (Doc Error) TIL Error: Final TIL signed by all required parties is blank [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Closing / Title - (Doc Error) TIL Error: Final TIL signed by all required parties is blank: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001430 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Credit Documentation - Missing Document: Credit Report not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): XXXX Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: XXXX Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List): XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001325 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | 2 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] State Compliance - XXXX Consumer Sales Practices Act (Ability to Repay not Verified): XXXX Consumer Sales Practices Act: Borrower’s ability to repay not verified with reliable documentation. [2] State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): XXXX Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. [2] State Compliance - XXXX Consumer Sales Practices Act (Closing Disclosure Not Provided): XXXX Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and note date but is not signed or dated by borrower so cannot confirm that borrower received. |
State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. State Compliance - XXXX Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001425 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001326 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001324 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | 2 | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.: No Value provided | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001323 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Page 1 of the HUD has 4500 seller credit for closing costs but no itemization in file to apply to costs. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001322 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001426 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | File does not contain either Preliminary or Final Title | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001427 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001327 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001328 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of the greater of X.XX% of the Original Loan Amount and $XXX.XX (2007). FNMA Finance Charge total $XXX,XXX.XX on a Original Loan Amount of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX and $XXX.XX (2007) (an overage of $XXX,XXX.XX or X.XX%). [2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |
Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): The Residential Mortgage Practices Act does not appear to provide for assignee liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001329 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001330 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001331 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001428 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
File does not contain either Preliminary or Final Title | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. | UTD | Indeterminable | D | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001335 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001334 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: XXXX Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List): XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001332 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001333 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |
Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001434 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
Yes | TR Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001350 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |
Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001345 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure. Itemization of finance charge was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001352 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001351 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001437 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): XXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001343 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001344 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001346 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List): XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
Yes | TR Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001348 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001353 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001435 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001436 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information): Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001433 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001347 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] State Compliance - XXXX Late Charge Percent Testing: Note late charge exceeds maximum per state. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
State Compliance - XXXX Late Charge Percent Testing: 5% late charge exceeds 2% maximum per state (NY) | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001349 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 [1] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |
2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] State Compliance - (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements [2] State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Sales Practices Act (Closing Disclosure Not Provided): XXXX Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
State Compliance - (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements: PPP expired. Prepayment Penalty not allowed, per OH. Maximum prepayment penalty per OH is 1%. Note state X.XX%/X.XX%/X.XX%. Lender is XXXX XXXX. | State Compliance - XXXX Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. State Compliance - XXXX Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001354 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date ofXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing wasXX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001440 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. | Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001342 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001340 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a closing protection letter fee of $XXX.XX flood cert fee of $XXX.XX settlement fee of $XXX.XX and title courier fee of $XXX,XXX.XX as prepaid finance charge. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001338 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001339 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Application / Processing - Missing Valuation: | Appraisal not provided | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001341 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001457 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 3 | 3 | [3] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXXXX // Account Type: Funds from Business Account / Account Number: XXXX [3] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXXXX // Account Type: Checking / Account Number: XXXX [3] Mortgage / Program Eligibility - Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy.: Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.35 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.15. [3] Credit Documentation - OFAC was not checked and required per guidelines.: Credit Report: Original // Borrower: XXXX [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
Additional 1 month consecutive bank statement is missing, and required per guidelines for down payment. Additional 1 month consecutive bank statement is missing, and required per guidelines for down payment. Calculated DSCR of 0.35 does not meet the guidelines requirement of 1.15. OFAC is missing. |
1 | - | C | A | C | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000594 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy. [2] AUS Discrepancy / Guidelines Discrepancy - Payment Shock exceeds credit guidelines. [2] Guideline Issue - The difference between the P&L Gross Income and the Net Deposits on the bank statements is greater than 5% and exceeds guideline tolerance.: Borrower: XXXXX // Employment Type: Employment / Income Type: Bank Statements / Start Date: XX/XX/XXXX |
Cash-out refi not permitted for credit grade B (due to limited tradelines); lender exception (pg 7) to allow cash out up to 65% LTV; subject LTV of X.XX% is further excessive. Exception re-approval required. Payment shock exceeds 300%; lender exception provided in file to waive payment shock requirement due to free and clear home, and low DTI. Exception re-approval required due to incorrect loan terms and comp factors on exception form. |
REVIEWER - GENERAL COMMENT (2017-09-08): Client elects to waive (guidelines requirement). REVIEWER - GENERAL COMMENT (2017-09-08): Client elects to waive (guidelines requirement). REVIEWER - GENERAL COMMENT (2017-09-08): Client elects to waive (guidelines requirement). |
1 | 1 | [1] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is in excess of allowable threshold of APOR X.XX% + 1.5%, or X.XX%. Compliant Higher Priced Mortgage Loan. [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (0) |
Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Fee disclosed as $XXX.XXon Loan Estimate, however disclosed as $XXX.XX on Closing Disclosure. Post consummation CD in file reflects tolerance cure with proof of delivery of the CD, however there is no evidence of the tolerance cure check, proof delivery of the check nor was the rescission period reopened. Exception is EV3 not EV1. | REVIEWER - WAIVED COMMENT (2017-08-24): Client acknowledges HPML and elects to Waive. REVIEWER - GENERAL COMMENT (2017-09-02): New condition as a result of post consummation CD received post review. Actual Grade is EV3 not EV1. REVIEWER - GENERAL COMMENT (2017-09-06): Not addressed REVIEWER - CURED COMMENT (2017-09-12): Cured on funding CD. |
Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. | 1X.XX% DTI 688 FICO Residual income $XXX,XXX.XX |
- | B | A | A | B | ||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001450 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 2 | 2 | [2] Borrower Eligibility - Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible.: Credit Report: Original // Borrower: XXXXX | REVIEWER - WAIVED COMMENT (2020-03-09): Client elects to waive the exception with verified compensation factors | 1 | Borrower has a clean housing payment history The representative FICO score exceeds the guideline minimum by at least 40 points. |
- | B | A | B | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001449 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 2 | 2 | [2] Miscellaneous - Credit Exception: [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Minimum Loan Amount discrepancy.: Note loan amount of $XXX,XXX.XX is less than Guideline minimum loan amount of $XXX,XXX.XX. |
Property on Stewart is legal non-conforming; if damaged not guaranteed it could be re-built as a 2 unit property. Per cross collateral guidelines, minimum loan amount is $XXX.XX,000; loan amount only $XXX.XX,250. |
REVIEWER - WAIVED COMMENT (2020-03-11): Client elects to waive the exception with verified compensating factors REVIEWER - WAIVED COMMENT (2020-03-11): Client elects to waive the exception with verified compensating factors |
1 | The qualifying DSCR on the loan is greater than the guideline minimum. | - | B | A | B | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001452 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 2 | 2 | [2] Asset Documentation - Assets Error: Usability was not provided | Assets are in the account of the non Guarantor. | REVIEWER - WAIVED COMMENT (2020-09-22): Client elects to waive with comp factors | 1 | Borrower has a clean housing payment history Borrower's Experience/Track Record Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX,XXX.XX. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DSCR on the loan is greater than the guideline minimum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
- | B | A | B | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001448 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 1 | 1 | 1 | - | A | A | A | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001451 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | 1 | 1 | 1 | - | A | A | A | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001447 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 2 | 2 | [2] Miscellaneous - Credit Exception: | Secondary valuation company is not an approved company. Must be from XXXX or XXXX | REVIEWER - WAIVED COMMENT (2020-06-22): Client elects to waive with comp factors | 1 | The qualifying DSCR on the loan is greater than the guideline minimum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
- | B | A | B | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001446 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 1 | 1 | 1 | - | A | A | A | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001445 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 2 | 2 | [2] Miscellaneous - Credit Exception: | Lender exception granted. Subject property is 648 sq ft as per guidelines SFR needs to be at least 700 sq ft. | REVIEWER - WAIVED COMMENT (2020-03-26): Client elects to waive the exception with verified compensation factors | 1 | Borrower's FICO score is above the minimum by 20 points or more. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines. Borrower's PITIA reserves are above the minimum amount of 6 months Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX,XXX.XX. The qualifying DSCR on the loan is greater than the guideline minimum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
- | B | A | B | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001454 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 3 | [3] General - Missing Document: 1007 Rent Comparison Schedule not provided [3] Application / Processing - Missing Document: Fraud Report not provided |
Fraud Report is missing in file. | 1 | - | C | A | C | |||||||||||||
| XXXX | XXXX | XXXX XXXX | 000361 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000778 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (0) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7520) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of appraisal receipt is missing. | REVIEWER - CURED COMMENT (2024-07-10): Sufficient Cure Provided At Closing REVIEWER - CURED COMMENT (2024-07-10): Sufficient Cure Provided At Closing |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000593 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine reason for under disclosure due to missing itemization of amount financed. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000351 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001412 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: TORNADOES Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX,XXX.XX is over disclosed by $XXX,XXX.XX compared to the calculated Amount Financed of $XXX,XXX.XX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) |
Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Final Disclosure disclosed a Finance Charges are $XXX,XXX.XX. Due Diligence Finance Charges are $XXX,XXX.XX. There is a variance of $XXX,XXX.XX. Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Disclosure disclosed a Finance Charges are $XXX,XXX.XX. Due Diligence Finance Charges are $XXX,XXX.XX. There is a variance of $XXX,XXX.XX. Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - Pre October 2018: Final Closing Disclosure dated XX/XX/XXXX did not disclose Non Escrowed Property Costs over Year 1. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $XXX,XXX.XX due to increase of Recording Fee. $XXX,XXX.XX No valid COC provided, nor evidence of cure in file. |
Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - Pre October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001389 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Liability appears to be limited to originators/licensees. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001395 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Credit Documentation - No evidence of fraud report in file: Credit Report: Original // Borrower: XXXXX, Credit Report: Original // Borrower: XXXXX | No evidence of Fraud Report in file | 3 | [3] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required. | Loan is to go in a securitization and reflects one valuation when 2 are required. | 1 | - | C | A | C | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001393 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (8304) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7591) |
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): No documentation in the loan file to evidence delivery of the appraisal to the borrower. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. The file did not contain a valid Change of Circumstance for the increased fee and the tolerance cure on the Final CD was not sufficient to cure both tolerance issues. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. The file did not contain a valid Change of Circumstance for the increased fee and the tolerance cure on the Final CD was not sufficient to cure both tolerance issues. |
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001411 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001415 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <empty> | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. |
Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001388 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, TORNADOES, AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal delivery receipt is not provided. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Right to Receive a Copy of appraisal not provided to applicant within three (3) business days of application or determination of first lien status. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001413 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: The file is missing one or more of the core documents required for a review. Please provide a complete closing package including an Approval, AUS or 1008, Loan Estimate(s), income and asset documentation. | UTD | Indeterminable | A | D | A | D | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001398 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |
Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001390 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001417 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001399 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term | 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001409 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 3 | [3] Closing / Title - Loan is not using the new FNMA Legal Documents. [3] Income Documentation - REO Documents are missing.: Address: XXXXX Lease Agreement, Statement |
Loan is not using the new FNMA Legal Documents. | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (75215) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of appraisal receipt 3 business days prior to closing is not in file. | REVIEWER - CURED COMMENT (2025-04-18): Sufficient Cure Provided At Closing | - | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001387 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary HPQM (GSE/Agency Eligible) | 3 | 3 | [3] Insurance Eligibility - MI Monthly Premium Amount documented in file does not match the Prepaid Mortgage Insurance Premium amount per month collected on the final Closing Disclosure.: Date Issued: XX/XX/XXXX / Relative Sequence Num: 3 [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE WINTER STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES Disaster Declaration Date: XX/XX/XXXX |
MI Monthly Premium outlined in Final Closing Disclosure of $XXX,XXX.XX is less than the documented amount of $XXX,XXX.XX per MI cert in file. | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2745520) [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XXXX). The disclosed Total of Payments in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated total of payments of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (8603) |
Federal Compliance - Check Loan Designation Match - QM: The loan has been identified as a Higher Priced Mortgage Loan, resulting in a Loan Designation discrepancy. Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosed Finance Charges are $XXX,XXX.XX . Due Diligence Finance Charges are $XXX,XXX.XX. There is a variance of $XXX,XXX.XX. Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 1 that does not match the MI cert in file. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure of XX/XX/XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Mortgage Insurance Premium increased without a valid change of circumstance. Cure was not provided at closing. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001394 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Risk | 3 | 3 | [3] Income Eligibility - Borrower has un-audited YTD P&L and does not have 2 months Account statements. (GSE COVID-19): Borrower: XXXXX // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: XX/XX/XXXX [3] Income Documentation - Income documentation requirements not met. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
File is missing signed tax returns required by the AUS approval. | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXXX/Schedule C) [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |
Federal Compliance - Check Loan Designation Match - QM: File is missing signed tax returns required by the AUS approval, causing the loan to waterfall through the QM Testing. Federal Compliance - General Ability To Repay Provision Investor Guidelines: File is missing signed tax returns required by the AUS approval, causing the loan to waterfall through the QM Testing. Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: File is missing signed tax returns required by the AUS approval, causing the loan to waterfall through the QM Testing. Federal Compliance - Sole Proprietorship Income Documentation Test: File is missing signed tax returns required by the AUS approval, causing the loan to waterfall through the QM Testing. Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt 3 business days prior to closing is not in file. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001403 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. | - | A | B | A | B | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001416 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 3 | [3] Appraisal Documentation - Missing Document: Appraisal not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001410 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Unable to determine if the initial escrow account statement is compliant based on missing information. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date Inaccurate (ARM loan): Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final TIL does not match the date on which the first regular periodic payment will be due and the earliest date on which that rate may apply. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match the first adjustment date for the loan. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Taxes and Insurance Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the escrow payment that may apply during the first rate adjustment of the loan. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" total payment amount (PITI) on the Final TIL does not match the total payment amount that may apply during the first rate adjustment of the loan. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date Inaccurate (ARM loan): TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Taxes and Insurance Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001404 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001402 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: The file is missing one or more of the core documents required for a review. Please provide a complete closing package including an Approval, AUS or 1008, Loan Estimate(s), income and asset documentation. | UTD | Indeterminable | A | D | A | D | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001385 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Unable to determine if the initial escrow account statement is compliant based on missing information. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS. [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - LO Company not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Liability appears to be limited to originators/licensees. Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001418 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
1 | 2 | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX) |
Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Loan Estimate provided on XX/XX/XXXX not received by borrower at least four business days prior to closing. |
Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001419 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 3 | [3] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] State Compliance - XXXX Counseling Agencies Disclosure Not in File: XXXX HB1399 - No evidence of required counseling disclosure language per XXXX HB 1399. [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The file was missing evidence the Right to Receive Appraisal Disclosure provided to borrower within 3 days of initial application. Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: Existence of escrow account disclosed on Final HUD-1 does not match actual terms. |
State Compliance - XXXX Counseling Agencies Disclosure Not in File: HB 1399 does not contain express provisions for assignee liability. Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001392 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 3 | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | 1 | 2 | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001422 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 3 | 3 | [3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds AUS total debt ratio of X.XX%. [3] Closing / Title - Loan is not using the new FNMA Legal Documents. [3] Income Documentation - REO Documents are missing.: Address: XXXXX Tax Verification |
The AUS approval included 100% of the gross rental income for the subject property and excluded the subject PITI payment, resulting in a lower DTI then supported in the loan file. FNMA version used is prior to 07/2021 |
1 | 1 | - | C | A | A | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001407 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 3 | [3] Closing / Title - Loan is not using the new FNMA Legal Documents. | Note Version is 1/01, Version 07/2021 should have been used. | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX,XXX.XX is over disclosed by $XXX,XXX.XX compared to the calculated Amount Financed of $XXX,XXX.XX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Interim Closing Disclosure Timing Test: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after XX/XX/XXXX contains a change in APR and was not received by borrower at least three (3) business days prior to consummation [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower. (8304) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower. (7571) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing evidence borrower received a copy of the appraisal at least three business days prior to closing. Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Disclosed Amount Financed is $XXX,XXX.XX. Due Diligence Amount Financed is $XXX,XXX.XX. There is a variance of $XXX,XXX.XX. Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosed Finance Charge is $XXX,XXX.XX. Due Diligence Finance Charge is $XXX,XXX.XX. There is a variance of $XXX,XXX.XX. |
REVIEWER - CURED COMMENT (2025-04-29): Sufficient Cure Provided within 60 Days of Closing REVIEWER - CURED COMMENT (2025-04-29): Sufficient Cure Provided within 60 Days of Closing |
Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Interim Closing Disclosure Timing Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | A | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001408 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 3 | 3 | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX |
Using the coverage listed on the insurance binder, the coverage shortage is $XXX.XX000. | 1 | 1 | - | C | A | A | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001423 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | QM (APOR) Fail | 3 | 3 | [3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds AUS total debt ratio of X.XX%. [3] Income Documentation - Income Docs Missing:: Borrower: XXXXX 4506-C (2020), 4506-C (2021) [3] Income Documentation - Income Docs Missing:: Borrower: XXXXX 4506-C (2020), 4506-C (2021) [3] Income Documentation - Income documentation requirements not met. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORM AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
Lender did not include the monthly HOA dues for the subject in the DTI. Inclusion of the fee the DTI is X.XX% and exceeds the DU approved DTI of X.XX%. Missing DU required executed 4506-T for both Borrowers. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of X.XX% moderately exceeds the guideline maximum of X.XX%. (DTI Exception is eligible to be regraded with compensating factors.) [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [3] Federal Compliance - QM Points and Fees 2021: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of X.XX% of the Federal Total Loan Amount. Points and Fees total $XXX,XXX.XX on a Federal Total Loan Amount of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX orX.XX%). [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 4 months prior to consummation. A lookback was performed to determine this application date. [2] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [2] Federal Compliance - TIL HPML Appraisal Disclosure - HPML Timing: HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7200) [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 |
Federal Compliance - Check Loan Designation Match - QM: The file is missing the required income documentation and the points and fees are more than allowable maximum, causing the loan to waterfall through the QM Testing. Federal Compliance - General Ability To Repay Provision Investor Guidelines: The file is missing the required income documentation and the points and fees are more than allowable maximum, causing the loan to waterfall through the QM Testing. Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: The file is missing the required income documentation and the points and fees are more than allowable maximum, causing the loan to waterfall through the QM Testing. Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: The file is missing the required income documentation and the points and fees are more than allowable maximum, causing the loan to waterfall through the QM Testing. Federal Compliance - QM Points and Fees 2021: Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of X.XX% of the Federal Total Loan Amount. Points and Fees total $XXX,XXX.XX on a Federal Total Loan Amount of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX orX.XX%). Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Missing evidence of application date to verify disclosure provided in the required 3 days. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower 3 business days prior to closing was not provided. Federal Compliance - TIL HPML Appraisal Disclosure - HPML Timing: Missing evidence of application date to verify disclosure provided in the required 3 days. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: The final Closing Disclosure page 4 reflects $XXX,XXX.XX non-escrowed property costs over year 1; however, per the appraisal the subject has monthly HOA dues of $XXX,XXX.XX. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX with no valid change of circumstance for the increases provided. Insufficient or no cure was provided to the borrower. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX with no valid change of circumstance for the increases provided. Insufficient or no cure was provided to the borrower. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $XXX.XX00, in the case of an individual transaction, or the lesser of $XXX.XX,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $XXX.XX00,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TIL HPML Appraisal Disclosure - HPML Timing: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001400 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary HPQM (GSE/Agency Eligible) | 3 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODNG Disaster Declaration Date: XX/XX/XXXX |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). [2] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. [2] Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent Only). Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7743) |
Federal Compliance - Check Loan Designation Match - QM: Loan Designation mismatch due to Loan was identified as Higher Priced Mortgage Loan. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Attorney's Fee of $XXX,XXX.XX was added without any valid changed circumstances, no cure was provided. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: "Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $XXX.XX00, in the case of an individual transaction, or the lesser of $XXX.XX,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $XXX.XX00,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation." Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001397 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary HPQM (GSE/Agency Eligible) | 3 | 1 | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). | Federal Compliance - Check Loan Designation Match - QM: The loan has been identified as a Higher Priced Mortgage Loan, resulting in a Loan Designation discrepancy. | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | TILA ATR/QM | A | C | A | C | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001420 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 | 1 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | A | B | A | B | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001401 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
3 | [3] Appraisal Data Integrity - Appraiser's license or certification was not active at the time of the appraisal.: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (8304) |
Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Verification final Appraisal report was delivered to borrower at least 3 business days prior to closing was not provided. Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosed Finance Charges are $XXX,XXX.XX. Due Diligence Finance Charges are $XXX,XXX.XX. There is a variance of -$XXX,XXX.XX Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Transfer Tax Fee was last disclosed as $XXX.XX6 on LE but disclosed as $XXX.XX37.22 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | C | B | C | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001391 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Home Improvement | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE WINTER STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES Disaster Declaration Date: XX/XX/XXXX |
1 | 1 | - | C | A | A | C | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001386 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary HPQM (GSE/Agency Eligible) | 3 | 1 | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) |
Federal Compliance - Check Loan Designation Match - QM: The loan has been identified as a Higher Priced Mortgage Loan, resulting in a Loan Designation discrepancy. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Proof of appraisal delivery not provided in file. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Initial CD Issued less than 6 days prior to closing |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | A | C | A | C | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001424 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | QM (APOR) Fail | 3 | 3 | [3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds AUS total debt ratio of X.XX%. [3] Closing / Title - Loan is not using the new FNMA Legal Documents. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
The documentation in the file does not support the qualifying income on the AUS approval, resulting in a DTI of X.XX%, which exceeds the AUS maximum of X.XX%. Loan is not using Version 07/2021 or later FNMA Legal Documents. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. [3] Federal Compliance - General QM Provision Income and Assets - S-Corp: General QM: Unable to verify S-Corp income using reasonably reliable third-party records. (XXXX/S-Corp) [3] Federal Compliance - General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines: General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of X.XX% moderately exceeds the guideline maximum of X.XX%. (DTI Exception is eligible to be regraded with compensating factors.) [3] Federal Compliance - General QM Provision Investor Guidelines Violation: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. [2] Federal Compliance - TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization NMLS information on loan documents does not match NMLS. [2] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/2776240) [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan. (ProjSeq:2/2776241) [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2776241) [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2776240) [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX,XXX.XX may be required. |
Federal Compliance - Check Loan Designation Match - QM: The DTI ratio exceeds the maximum allowed by the AUS approval, causing the loan to waterfall through the QM Testing. Federal Compliance - General QM Provision Income and Assets - S-Corp: The DTI ratio exceeds the maximum allowed by the AUS approval, causing the loan to waterfall through the QM Testing. Federal Compliance - General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines: The DTI ratio exceeds the maximum allowed by the AUS approval, causing the loan to waterfall through the QM Testing. Federal Compliance - General QM Provision Investor Guidelines Violation: The DTI ratio exceeds the maximum allowed by the AUS approval, causing the loan to waterfall through the QM Testing. Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate Subsequent Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan. Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: Loan Estimate document is missing in file |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $XXX.XX00, in the case of an individual transaction, or the lesser of $XXX.XX,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $XXX.XX00,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $XXX.XX00, in the case of an individual transaction, or the lesser of $XXX.XX,000 or 1% of the creditor's net worth in the case of a class action (effectiveXX/XX/XXXXthis amount increases to the lesser of $XXX.XX00,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. EffectiveXX/XX/XXXX in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001406 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: The file is missing one or more of the core documents required for a review. Please provide a complete closing package including asset documentation. | UTD | Indeterminable | A | D | A | D | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001414 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 3 | 3 | [3] Closing / Title - Loan is not using the new FNMA Legal Documents. | Incorrect Note version used. | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence of appraisal being sent to borrower 3 days prior to closing. | - | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001396 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 3 | 3 | [3] Closing / Title - Loan is not using the new FNMA Legal Documents. | Loan is not using Version 07/2021 or later FNMA Legal Documents. | 1 | 1 | - | C | A | A | C | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001421 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Higher Priced QM (APOR) | 3 | 3 | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, FLOODING, LANDSLIDES, AND MUDSLIDES Disaster Declaration Date: XX/XX/XXXX |
Using the coverage listed on the insurance binder, the coverage shortage is $XXX.XX415. | 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Partial Payments: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Partial Payments. (FinXX/XX/XXXX) |
Federal Compliance - Check Loan Designation Match - QM: Loan is waterfall due to Loan is a Federal Higher-Priced Mortgage Loan Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. Federal Compliance - TRID Final Closing Disclosure Partial Payments: Final Closing Disclosure provided on XX/XX/XXXX did not disclose whether the loan allows for Partial Payments. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TRID Final Closing Disclosure Partial Payments: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001405 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7580) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tax Service Fee increased without a valid change in circumstance. Cure was not provided at closing. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001554 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001555 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |
2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Finance Charge Variance of $XXX,XXX.XX is due to difference in lender's accepted payment stream as per final TIL and actual calculated payment stream. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001556 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] General - FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |
2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001542 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Additional 3-Day Waiting Period Timing Test – Irregular Transaction: TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated XX/XX/XXXX disclosed an inaccurate APR of X.XX% compared to the actual APR at consummation of X.XX% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation [2] Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after XX/XX/XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |
Federal Compliance - TRID Additional 3-Day Waiting Period Timing Test – Irregular Transaction: 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under 1026.22, revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (X.XX%) changed more than the X.XX% threshold compared to the actual/calculated APR at consummation (X.XX%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: Rate was changed onXX/XX/XXXXowever no CD was issued within 3 business days. |
Federal Compliance - TRID Additional 3-Day Waiting Period Timing Test – Irregular Transaction: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001543 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: Loan is DSCR for which guidelines are required. | UTD | Indeterminable | A | D | A | D | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001544 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | QM (APOR) Fail | 3 | 3 | [3] Mortgage / Program Eligibility - Guideline Requirement: Combined High loan to value discrepancy.: Calculated high loan to value percentage of X.XX% exceeds Guideline high loan to value percentage of X.XX% [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of X.XX% exceeds Guideline combined loan to value percentage of X.XX%. [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds Guideline total debt ratio of X.XX%. [3] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of X.XX% exceeds Guideline loan to value percentage of X.XX%. [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 0.93 is less than Guideline PITIA months reserves of 6.00. [3] Income Documentation - Income Docs Missing:: Borrower: XXXX 1040 - Schedule C (2019), 1040 - Schedule C (2020), Third Party Verification [3] Income Documentation - Income documentation requirements not met. |
The FNMA guideline maximum HLTV is 95%. However, the 1008 reflects an approved HLTV of 97%. The FNMA guideline maximum CLTV is 95%. However, the 1008 reflects an approved CLTV of 97%. The guideline maximum DTI is 45%, but the calculated DTI is X.XX%. It appears MI was not included in the lender DTI calculation. The FNMA guideline maximum LTV is 95%. However, the 1008 reflects an approved LTV of 97%. The guidelines require verification of 6 months PITI reserves. Most recent 2 years tax returns and third party verification of business existence are missing. Most recent 2 years tax returns is missing and verification of employment documentation. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. [3] Federal Compliance - General QM Provision Employment - Schedule C: General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (XXXX/Schedule C) [3] Federal Compliance - General QM Provision Income and Assets - Schedule C: General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (XXXX/Schedule C) [3] Federal Compliance - General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines: General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of X.XX% moderately exceeds the guideline maximum of X.XX%. (DTI Exception is eligible to be regraded with compensating factors.) [3] Federal Compliance - General QM Provision Investor Guidelines Violation: General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. [3] Federal Compliance - Income/Asset Guideline Deficiency - QM Impact: General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure XX/XX/XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. $XXX,XXX.XX over legal limit. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. $XXX,XXX.XX over legal limit. Insufficient or no cure was provided to the borrower. (7506) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. $XXX,XXX.XX over legal limit. Insufficient or no cure was provided to the borrower. (7349) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. $XXX,XXX.XX over legal limit. Insufficient or no cure was provided to the borrower. (7200) |
Federal Compliance - Check Loan Designation Match - QM: Most recent 2 years tax returns and third party verification of business existence are missing which caused the loan to test as QM(APOR) fail. Federal Compliance - General QM Provision Employment - Schedule C: Most recent 2 years tax returns and third party verification of business existence are missing. Federal Compliance - General QM Provision Income and Assets - Schedule C: Most recent 2 years tax returns and third party verification of business existence are missing. Federal Compliance - General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines: The maximum allowable DTI is 45%. However, the calculated DTI is X.XX%. It appears MI was not included in the lender DTI calculation. Federal Compliance - General QM Provision Investor Guidelines Violation: Most recent 2 years tax returns and third party verification of business existence are missing. Federal Compliance - Income/Asset Guideline Deficiency - QM Impact: Most recent 2 years tax returns and third party verification of business existence are missing. Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: Final Closing Disclosure XX/XX/XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: No Valid change of circumstance provided for increase to Recording Fees. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee was disclosed as 675.00 on initial LE but disclosed as $XXX,XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Extension Fee was disclosed as 252.00 on initial LE but disclosed as $XXX,XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points Fee was disclosed as 41.00 on initial LE but disclosed as $XXX,XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001545 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Non QM | 3 | 1 | 3 | [3] Appraisal Documentation - Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36: Note Date: XX/XX/XXXX; Lien Position: 1 | 2 | [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (InitiXX/XX/XXXX) |
Federal Compliance - Federal HPML 2014 Non Compliant: APR on subject loan of X.XX% or Final Disclosure APR of X.XX% is equal to or greater than the threshold of APOR X.XX% + 1.5%, or X.XX%. Non-Compliant Higher Priced Mortgage Loan. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): Appraiser Waiver in the file. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Initial Loan Estimate XX/XX/XXXX is not provided to the borrower within three business days of application without prior consent from the borrower to receive electronic disclosures. |
Federal Compliance - Federal HPML 2014 Non Compliant: TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | B | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001546 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001547 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (InitiXX/XX/XXXX) [2] Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after XX/XX/XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXX) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (8304) |
Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: None of the copies of the initial Closing Disclosure in file are signed/dated; therefore, the "mailbox rule" is assumed and the presumed delivery date would not have been at least 3 business days prior to consummation. Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: Initial CD was not signed by borrower. Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Loan estimate dated XX/XX/XXXXs not signed by borrower. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Transfer tax was disclosed on initial Loan estimate as $XXX.XXut disclosed but final Closing Disclosure $XXX.XX1.42. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |
REVIEWER - CURED COMMENT (2025-10-03): Sufficient Cure Provided At Closing | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001548 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] Government Documentation - Loan Guaranty Certificate is missing.: Disclosure: VA - Loan Guaranty Certificate (Government Documents) [3] General - The veteran did not certify occupancy by checking an appropriate occupancy block in Section III - Veteran's Certifications of the VA - Loan Disbursement Form 26-1820.: Disclosure: VA - Loan Disbursement Form 26- 1820 (Government Documents) [3] General - VA - Lender Loan Quality Certification was not provided.: Disclosure: VA - Lender Loan Quality Certification (Government Documents) |
None of the occupancy boxes on the disclosure were checked by the borrower. | 3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | 2 | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | C | B | D | D | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001549 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Risk | 3 | 3 | [3] Income Documentation - Income documentation requirements not met. [3] Income Documentation - The verification of employment is not within 10 business days of the Note.: Borrower: XXXXX // Employment Type: Employment / Income Type: Wages / Start Date: XX/XX/XXXX |
File is missing the Verification of employment document dated within 10 business days of the note for the Borrowers current job. Verbal VOE is not provided within 10 business days of Note |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |
Federal Compliance - Check Loan Designation Match - ATR Risk: Waterfall due to Verbal VOE is not provided within 10 business days of Note Federal Compliance - General Ability To Repay Provision Investor Guidelines: Waterfall due to Verbal VOE is not provided within 10 business days of Note Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: File is missing the Verification of employment document dated within 10 business days of the note for the Borrowers current job. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence of appraisal being sent to borrower 3 days prior to closing. |
Federal Compliance - Check Loan Designation Match - ATR Risk: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | TILA ATR/QM | C | C | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001550 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX,XXX.XX is less than Cash From Borrower $XXX,XXX.XX. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX |
Documented qualifying Assets for Closing of $XXX,XXX.XX is less than Cash From Borrower $XXX,XXX.XX. | 3 | [3] Appraisal Documentation - Loan is to be securitized. Secondary valuation is missing. Sec ID: 2: Note Date: XX/XX/XXXX; Lien Position: 1 | 1 | - | C | A | D | D | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001551 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001552 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | shortfall by 69,200.00 require replacement cost estimator document | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | - | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001553 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. $XXX,XXX.XX over legal limit. Insufficient or no cure was provided to the borrower. (7535) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. $XXX,XXX.XX over legal limit. Insufficient or no cure was provided to the borrower. |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001557 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX,XXX.XX is less than Cash From Borrower $XXX,XXX.XX. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX |
Require 2 months bank statement with ending balance of $XXX.XX06.86 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX) [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure XX/XX/XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (FinXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence of appraisal being sent to borrower 3 days prior to closing. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence of appraisal being sent to borrower 3 days prior to closing. Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: No seller paid fees. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: No initial CD. |
Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001558 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: Loan is DSCR for which guidelines are required. | UTD | Indeterminable | A | D | A | D | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001559 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Risk | 3 | 3 | [3] Asset Documentation - Asset documentation requirements not met. [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $XXX,XXX.XX is less than AUS qualifying asset balance of $XXX,XXX.XX. [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX,XXX.XX is less than Cash From Borrower $XXX,XXX.XX. |
Closing statement and seller closing disclosure not provided to verify sale proceeds from real assets. Verified funds receipt for sale of property not provided. Missing Final Closing Disclosure for Sale of Property and proof of funds to close. |
3 | [3] Appraisal Documentation - Loan is to be securitized. Property Type is Manufactured and no secondary valuation was provided. Sec ID: 100: Note Date: XX/XX/XXXX; Lien Position: 1 | 3 | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX,XXX.XX is over disclosed by $XXX,XXX.XX compared to the calculated Amount Financed of $XXX,XXX.XX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX,XXX.XX is under disclosed by $XXX,XXX.XX compared to the calculated Finance Charge of $XXX,XXX.XX which exceeds the $XXX,XXX.XX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) |
Federal Compliance - Check Loan Designation Match - ATR Risk: Waterfall exception due to Closing statement and seller closing disclosure not provided to verify sale proceeds from real assets. Federal Compliance - General Ability To Repay Provision Investor Guidelines: Closing statement and seller closing disclosure not provided to verify sale proceeds from real assets. Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Closing statement and seller closing disclosure not provided to verify sale proceeds from real assets. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Disclosed Amount Financed $XXX,XXX.XX ,Calculated Amount Financed $XXX,XXX.XXVariances of $XXX,XXX.XX. Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosed Finance Charge of $XXX,XXX.XX ,Calculated Finance Charge of $XXX,XXX.XX Variances of $XXX,XXX.XX. |
Federal Compliance - Check Loan Designation Match - ATR Risk: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001560 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7520) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal proof of delivery is not provided within 3 business days prior to closing Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Credit Report Fee was last disclosed as $XXX,XXX.XX on LE but disclosed as $XXX,XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |
REVIEWER - CURED COMMENT (2025-10-02): Sufficient Cure Provided At Closing | - | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001561 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 3 | 3 | [3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds AUS total debt ratio of X.XX%. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: WILDFIRES AND STRAIGHT-LINE WINDS Disaster Declaration Date: XX/XX/XXXX |
X.XX% DTI exceeds X.XX% AUS maximum. $XXX.XX67246% includes $XXX,XXX.XX neg rent for two additional investment properties. Lender’s X.XX% includes a lower unsupported $XXX,XXX.XX neg rent amount for two additional properties owned. | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | - | C | B | A | C | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001562 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. $XXX,XXX.XX over legal limit. Insufficient or no cure was provided to the borrower. (7723) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. $XXX,XXX.XX over legal limit. Insufficient or no cure was provided to the borrower. (7713) |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Survey Fee was disclosed on initial Loan estimate as $XXX.XXut disclosed but final Closing Disclosure $XXX,XXX.XXile does not contain a valid COC for this fee, nor evidence of cure is provided in file. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Pest Inspection Fee was disclosed on initial Loan estimate as $XXX.XXut disclosed but final Closing Disclosure $XXX,XXX.XXile does not contain a valid COC for this fee, nor evidence of cure is provided in file. |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001563 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001564 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001565 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001566 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXXX Disaster Declaration Date: XX/XX/XXXX |
The subject property is located in a FEMA Disaster area. Require a post-disaster inspection verifying there was no damage to the subject property. | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Verification appraisal was delivered to borrower was not provided. | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. | - | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001567 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Non QM | 3 | 3 | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement [3] Lien - Missing evidence of lien position on Other Financing.: Lien Position: 2 [3] Document Error - Simultaneous Financing reflected on the CD, however supporting documentation was not found in file.: Date Issued: XX/XX/XXXX [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: REMNANTS OF XXXX Disaster Declaration Date: XX/XX/XXXX |
Missing closing statement/HUD for simultaneous finance. | 1 | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. $XXX,XXX.XX over legal limit. Insufficient or no cure was provided to the borrower. (7561) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Settlement / Closing / Escrow Fee increased without a valid change in circumstance. Cure was not provided at closing. | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | C | B | A | C | |||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001664 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001691 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7507) | REVIEWER - CURED COMMENT (2025-11-27): Sufficient Cure Provided At Closing | - | A | A | A | A | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001754 | $XXX,XXX.XX | XX | XX/XX/XXXX | Second Home | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001801 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (0) |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | REVIEWER - CURED COMMENT (2025-11-24): Sufficient Cure Provided At Closing | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001829 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:SecondaXX/XX/XXXX) [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Proof of delivery is not provided within 3 business days prior to closing for Secondary appraisal Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Proof of delivery is not provided within 3 business days prior to closing for primary appraisal |
- | A | B | A | B | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001663 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $XXX,XXX.XX due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX,XXX.XX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | SELLER - GENERAL COMMENT (2021-05-08): PC CD LOX CHECK AND SHIPPING LABEL REVIEWER - CURED COMMENT (2021-05-17): XXXXX received PCCD indicating cure, LOE, refund check, and proof of mailing. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001635 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (43-Q) | 2 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: XXXX Disaster Declaration Date: XX/XX/XXXX |
REVIEWER - WAIVED COMMENT (2021-08-20): Subject not located in or near building. | 1 | 2 | [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXXX/7827622) | Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Start/End date of previous employments not verified. | REVIEWER - WAIVED COMMENT (2021-08-25): Client elects to waive. | Borrower has verified disposable income of at least $XXX.XX. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Property not inspected post FEMA declared disaster, but property is not located near the declared disaster area. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
- | B | B | A | B | ||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001661 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7520) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |
REVIEWER - CURED COMMENT (2021-07-22): Sufficient Cure Provided At Closing REVIEWER - CURED COMMENT (2021-07-22): Sufficient Cure Provided At Closing |
- | A | A | A | A | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001774 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 | 1 | 2 | [2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of the greater of X.XX% of the Original Loan Amount and $XXX.XX (2021). FNMA Finance Charge total $XXX,XXX.XX on a Original Loan Amount of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX and $XXX.XX (2021) (an overage of $XXX,XXX.XX orX.XX%). | Federal Compliance - FNMA Points and Fees: Missing undiscounted rate and pricing. | REVIEWER - WAIVED COMMENT (2021-09-29): Client elects to waive. | Borrower has verified disposable income of at least $XXX.XX. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX,XXX.XX. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
- | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001670 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - Self-Employed Tax Return Recency - QM: General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) [2] Federal Compliance - Self-Employed Tax Return Recency - QM: General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) |
Federal Compliance - Self-Employed Tax Return Recency - QM: XXXX extension was provided Federal Compliance - Self-Employed Tax Return Recency - QM: XXXX extension was provided |
REVIEWER - WAIVED COMMENT (2021-09-08): Client elects to waive. REVIEWER - WAIVED COMMENT (2021-09-08): Client elects to waive. |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001790 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Courier / Express Mail / Messenger Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7519) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No valid reason is documented for the increase. No cure provided. | SELLER - GENERAL COMMENT (2021-09-24): Please advise I am looking for clarification on this condition. On the LE on XX/XX/XXXXhe messenger fee was disclosed in the amount of 180, and on the Final CD XX/XX/XXXXs was disclosed in the amount of 180. There was no change in fee and was the same. REVIEWER - GENERAL COMMENT (2021-09-27): SitusAMC upon further review Escrow- Messenger fee of $XXX.XX doesn't have Title prefix in the fee. We need updated PCCD to reflect Title prefix to consider the fee under 10% tolerance. Please provide updated PCCD with the change. SELLER - GENERAL COMMENT (2021-09-27): Please see attached PCCD, Check and email to borrower. REVIEWER - CURED COMMENT (2021-09-28): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check. |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001732 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2 | 2 | [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of $XXX.XX is less than the note amount of $XXX.XX based on the Commitment in file. | The commitment title report in file disclosed $XXX.XX of title insurance coverage; however this is less than the loan amount of $XXX.XX Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. | SELLER - GENERAL COMMENT (2021-10-27): Duplicate condition, please clear/waive. REVIEWER - GENERAL COMMENT (2021-10-28): Final title policy or updated title commitment is not received. Please provide Final Title Policy or an updated Title Commitment with the policy amount at least equal to the loan amount of $XXX.XX. Exception remains. SELLER - GENERAL COMMENT (2021-11-01): Updated Title uploaded to other condition. This one is a duplicate, please clear. REVIEWER - WAIVED COMMENT (2021-11-02): Client elects to waive REVIEWER - RE-OPEN COMMENT (2024-06-17): . REVIEWER - WAIVED COMMENT (2024-06-17): Client elects to waive. REVIEWER - RE-GRADED COMMENT (2024-06-17): . |
1 | 2 | [2] Federal Compliance - Self-Employed Tax Return Recency - QM: General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/C-Corp 1120) [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclouse Amount of Non-Escrowed Property Costs over Year 1 (FinXX/XX/XXXX) [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower. (0) |
Federal Compliance - Self-Employed Tax Return Recency - QM: XXXX Tax Extension filed Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: HOA fees of $XXX,XXX.XX were not included in the monthly Escrows Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: 10% tolerance was exceeded by $XXX,XXX.XXdue to addition of Endorsement, Courier, SubEscrow, and Wire fees. No valid COC provided, cure provided at closing. |
SELLER - GENERAL COMMENT (2021-10-27): Please advise - there was a XXXXX tax extension provided in the file. Attached again for reference. REVIEWER - GENERAL COMMENT (2021-10-28): Provide 1120 -XXXXX or Tax extension for business XXXXX for C-Corp XXXXX. Exception remains . REVIEWER - WAIVED COMMENT (2021-11-02): Client elects to waive SELLER - GENERAL COMMENT (2021-11-10): Please see attached PCCD and LOX to clear this condition. REVIEWER - CURED COMMENT (2021-11-12): SitusAMC received a PCCD correcting non escrowed property costs and LOE. REVIEWER - CURED COMMENT (2021-10-22): Sufficient Cure Provided within 60 Days of Closing |
Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Borrower has verified disposable income of at least $XXX.XX. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Final Title Policy will be provided as a trailing document. The Loan to Value (LTV) on the loan is less than or equal to 70%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
- | B | B | A | B | ||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001715 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | REVIEWER - CURED COMMENT (2021-09-27): Sufficient Cure Provided At Closing | - | A | A | A | A | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001817 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower. (7535) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: Home Inspection Feee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, a cure of $XXX.XX was provided at closing. | REVIEWER - CURED COMMENT (2021-10-19): Sufficient Cure Provided within 60 Days of Closing | - | A | A | A | A | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001633 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001649 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | REVIEWER - CURED COMMENT (2021-10-05): Sufficient Cure Provided At Closing | - | A | A | A | A | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001799 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001646 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - Self-Employed Tax Return Recency - QM: General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) | Federal Compliance - Self-Employed Tax Return Recency - QM: XXXX personal nor business returns were not provided; extension also not provided. | REVIEWER - WAIVED COMMENT (2021-10-28): Client requests to waive. | - | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001676 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001876 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (43-Q) | 2 | 2 | [2] Document Error - There is no dollar amount noted on the title policy. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | REVIEWER - WAIVED COMMENT (2021-09-28): Client elects to waive. | 1 | 2 | [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership) [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/Partnership) [2] Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 73,095.00 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |
Federal Compliance - Self-Employed Tax Return Recency: Most recent tax return for partnership is not provided. Federal Compliance - Self-Employed Tax Return Recency - ATR: Most recent business returns are XXXX. Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - XXXX Test: The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXX,XXX.XX on page 4; however the annual taxes $XXX,XXX.XX and homeowners insurance are $XXX,XXX.XX per year. HO3 Insurance are are $XXX,XXX.XX per year. HOA Fees is $XXX,XXX.XX per year. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX excess cure was provided to the borrower at closing |
REVIEWER - WAIVED COMMENT (2021-09-29): Client elects to waive. REVIEWER - WAIVED COMMENT (2021-09-29): Client elects to waive. SELLER - GENERAL COMMENT (2021-09-28): Please see attached. REVIEWER - GENERAL COMMENT (2021-10-04): The annual non-escrowed costs on page 4 of the final CD do not match the loan file. Annual non-escrowed costs, per loan file, are as follows: Hazard - $XXX.XX, Tax - $XXX,XXX.XX, HOA - $XXX.XX for a total of $XXX,XXX.XX. Provide PCCD and LOE that reflects the preceding amounts in 10, 11 or 12 month breakouts, or documentation of alternative amounts. SELLER - GENERAL COMMENT (2021-10-05): Please see attached. REVIEWER - CURED COMMENT (2021-10-06): XXXXX received Letter of Explanation & Corrected Closing Disclosure. REVIEWER - CURED COMMENT (2021-09-21): Sufficient Cure Provided At Closing |
Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - XXXX Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | A | B | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001832 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | REVIEWER - CURED COMMENT (2021-10-19): Sufficient Cure Provided At Closing | - | A | A | A | A | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001672 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001755 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001627 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (75103) | REVIEWER - CURED COMMENT (2021-12-30): Sufficient Cure Provided At Closing | - | A | A | A | A | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001586 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7507) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. | REVIEWER - CURED COMMENT (2021-10-20): Sufficient Cure Provided At Closing | - | A | A | A | A | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001573 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001830 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (75104) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Review Fee was not on LE but disclosed as $XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. | REVIEWER - CURED COMMENT (2021-11-16): Sufficient Cure Provided At Closing | - | A | A | A | A | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001628 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Fee was last disclosed as $XXX.XX on LE but disclosed as $XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. | REVIEWER - CURED COMMENT (2021-10-26): Sufficient Cure Provided At Closing | - | A | A | A | A | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001624 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001592 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001749 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001758 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 2 | [2] Document Error - There is no dollar amount noted on the title policy. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | REVIEWER - WAIVED COMMENT (2022-01-11): Client elects to waive | 1 | 1 | - | B | A | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001768 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 30,311.04 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7508) |
Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: The final CD disclosed the Amount of Estimated Property Costs over Year 1 as $XXX,XXX.XX on page 4; however the annual taxes ($XXX,XXX.XX) and homeowners insurance including CA FAIR Plan ($XXX,XXX.XX) and HOA ($XXX.XX) total is $XXX,XXX.XX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXX,XXX.XX monthly, correct amount is $XXX,XXX.XX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Field Review Fee was not disclosed on Loan Estimate. Fee Amount of $XXX,XXX.XX disclosed on CD exceeds tolerance of $XXX,XXX.XX. File does not contain a valid COC for this fee, cure provided at closing. |
SELLER - GENERAL COMMENT (2022-01-28): Please see attached LOX and PCCD to clear this condition. REVIEWER - CURED COMMENT (2022-02-01): XXXXX received PCCD and LOE; exception is cured. REVIEWER - CURED COMMENT (2022-01-07): Sufficient Cure Provided At Closing |
Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001766 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 5,061.96 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXX,XXX.XX on page 4; however the annual HOI ($XXX.XX) and HOA dues ($XXX.XX) total $XXX.XX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXX,XXX.XX monthly, correct amount is $XXX,XXX.XX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. | SELLER - GENERAL COMMENT (2022-01-21): Please see attached PCCD REVIEWER - CURED COMMENT (2022-01-24): PCCD and LOE provided as trailing docs |
Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001656 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Fee was last disclosed as $XXX.XX on LE but disclosed as $XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. | REVIEWER - CURED COMMENT (2021-12-06): Sufficient Cure Provided At Closing | - | A | A | A | A | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001793 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001785 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (8304) | REVIEWER - CURED COMMENT (2022-03-09): Sufficient Cure Provided At Closing | - | A | A | A | A | ||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001807 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001700 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001600 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (43-Q) | 2 | 1 | 1 | 2 | [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX, Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXX/S-Corp) [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XXXX). (FinXX/XX/XXXX) [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower. (0) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Sales Tax Title Ins. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower. (77219) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower. (8304) |
Federal Compliance - Self-Employed Tax Return Recency: Based on the application date more recent tax returns could have been available. A XXXX extension was provided. Federal Compliance - Self-Employed Tax Return Recency: Based on the application date more recent tax returns could have been available. A XXXX extension was provided. Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance Charge disclosed is $XXX,XXX.XX. Calculated finance charge is $XXX,XXX.XX. Variance of $XXX,XXX.XX. Based on review of Lender's compliance report, Title -Sales Tax fees were not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: 10% tolerance was exceeded by $XXX,XXX.XX due to recording fee. No valid COC provided, cure provided at closing. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: Transfer tax was not included on the LE or the final CD. It was included on the post closing CD. The vesting on title removed someone from title, so Transfer Tax was required. Cure provided on PCCD. |
REVIEWER - WAIVED COMMENT (2022-02-03): Client elects to waive. REVIEWER - WAIVED COMMENT (2022-02-03): Client elects to waive. SELLER - GENERAL COMMENT (2022-01-27): PCCD package. REVIEWER - GENERAL COMMENT (2022-01-28): The final/PCCDs reflected a Title-Sales Tax Sttlmnt Srv fee which was not included in the Lender's APR calculations. Variance of $XXX,XXX.XX; exception remains. SELLER - GENERAL COMMENT (2022-02-15): PCCD package REVIEWER - GENERAL COMMENT (2022-02-15): PCCD, LOE & check copy received; however, subject is a primary refinance and rescission is required to be re-opened. Provide amended NRTC, LOE and proof of delivery. Cannot be cured until business day following end of new rescission period; exception remains REVIEWER - GENERAL COMMENT (2022-02-22): Please provide copy or RTC sent to borrower with cure and proof of delivery for the RTC. New RTC must be provided as the exception is a material exception on a refinance transaction. REVIEWER - CURED COMMENT (2022-03-18): SitusAMC received PCCD, LOE, copy of refund check, RTC and proof of delivery; exception is cured. REVIEWER - CURED COMMENT (2022-01-14): Sufficient Cure Provided within 60 Days of Closing REVIEWER - CURED COMMENT (2022-01-28): Sufficient Cure Provided within 60 Days of Closing REVIEWER - CURED COMMENT (2022-01-14): Sufficient Cure Provided within 60 Days of Closing |
Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001620 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7723) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7723) |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Survey Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $XXX,XXX.XX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Situs AMC received: Letter of Explanation, Proof of Mailing, Copy of Refund Check, and Corrected PCCD. |
SELLER - GENERAL COMMENT (2022-02-18): check, loe, and post cd, audit REVIEWER - GENERAL COMMENT (2022-02-22): SitusAMC received Corrected PCCD, Letter of Explanation, Copy of Refund Check and Loan history audit. However, provided PCCD reflects Date Issued as "XX/XX/XXXX", which is same as Final CD issued date. Please provide updated PCCD with corrected Issue date along with proof mailing to borrower in order to cure this exception. SELLER - GENERAL COMMENT (2022-02-23): Post cd and proof of delivery REVIEWER - GENERAL COMMENT (2022-02-24): SitusAMC received PCCD, LOE and Copy of Refund check. However, we cannot accept the envelope as Proof of mailing. We need Email confirmation from the borrower or Tracking number to track the shipment. Exception remains. SELLER - GENERAL COMMENT (2022-02-24): proof of mailing REVIEWER - CURED COMMENT (2022-02-25): Situs AMC received: Letter of Explanation, Proof of Mailing, Copy of Refund Check, and Corrected PCCD. REVIEWER - CURED COMMENT (2022-02-25): Sufficient Cure Provided At Closing |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001850 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing documentation to verify timely Appraisal Delivery to all Borrower(s) and/or Appraisal Waiver signed by Borrower waiving 3-Day Dodd Frank Requirement. | BUYER - GENERAL COMMENT (2021-10-05): Cover letter and email sent XX/XX/XXXXREVIEWER - GENERAL COMMENT (2021-10-06): Please provide evidence of borrowers receipt of the appraisal at least 3 business days prior to closing (XX/XX/XXXX If evidence of receipt is not provided, mailbox rule must be applied and it is assumed that the appraisal was not received until XX/XX/XXXXhich is not 3 business days prior to close. BUYER - GENERAL COMMENT (2021-10-12): Tracking screenshot of email delivery REVIEWER - GENERAL COMMENT (2021-10-13): Provide the supporting document to validate the borrower has received the appraisal report prior to 3 business days from closing. as provided document shows lender sent to borrower it does not confirm borrower received on the same date. BUYER - GENERAL COMMENT (2021-10-14): Please amend. When using the mailbox rule as in XXXXX the presumed received date of the appraisal is actually XX/XX/XXXXs the XXXXX delivers mail on Saturdays. REVIEWER - GENERAL COMMENT (2021-10-15): As per documentation received, mode of delivery of Appraisal is Electronic Delivery. Hence we need supporting documentation that Borrower received appraisal before XX/XX/XXXXplease provide delivery proof like acknowledgement receipt from Borrower that shows Borrower received appraisal report at least 3 days prior to closing. Exception remains. BUYER - WAIVED COMMENT (2021-10-18): Lender provided evidence that the report was delivered electronically. Mailbox rule was applied. Lender acknowledged non material EV2 |
- | A | B | A | B | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001853 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Warranty Premium. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (77129) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: No tolerance violation of Home Warranty Premium of $XXX,XXX.XX is not a tolerance fee and was disclosed in incorrect section. Sufficient cure provided at closing. | REVIEWER - CURED COMMENT (2021-10-06): Sufficient Cure Provided At Closing | - | A | A | A | A | |||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001846 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 18,293.40 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |
Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: Final Closing Disclosure disclosed Non-Escrowed Property Costs over Year 1 of $XXX,XXX.XX. Non-Escrowed Property Costs are $XXX,XXX.XX per month, which equals calculated Non-Escrowed Property Costs over Year 1 of $XXX,XXX.XX. Difference of $XXX,XXX.XX is due to borrowers were qualified with monthly HOA Dues of $XXX,XXX.XX however, the subject property was appraised as a single family residence and the purchase agreements and addendums do not verify monthly HOA dues. File is missing documentation to verify the monthly amount of $XXX,XXX.XX. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Cure provided |
BUYER - GENERAL COMMENT (2021-11-12): PCCD BUYER - GENERAL COMMENT (2021-11-12): PCCD LOX BUYER - GENERAL COMMENT (2021-11-12): Proof of Delivery to Brw REVIEWER - CURED COMMENT (2021-11-15): XXXXX received Corrected CD and LOX. REVIEWER - CURED COMMENT (2021-11-04): Sufficient Cure Provided At Closing |
Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001675 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in “Other” section where regulation requires disclosure under “Homeowner’s Insurance” section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 24,176.88 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7520) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) |
Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXX,XXX.XX on page 4; however the annual taxes ($XXX,XXX.XX), homeowners insurance ($XXX,XXX.XX) and HOA Dues ($XXX.XX60) total are $XXX,XXX.XX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXX,XXX.XX monthly, correct amount is $XXX,XXX.XX Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit report fee was initially disclosed as $XXX,XXX.XX on LE but disclosed as $XXX,XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX,XXX.XX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee was last disclosed as $XXX,XXX.XX on LE but disclosed as $XXX,XXX.XX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX,XXX.XX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |
REVIEWER - WAIVED COMMENT (2022-03-24): Client elects to waive. REVIEWER - WAIVED COMMENT (2022-03-24): Client elects to waive. SELLER - GENERAL COMMENT (2022-03-22): Please see attached XX/XX/XXXXD with COC for change in settlement charges REVIEWER - GENERAL COMMENT (2022-03-23): XXXXX received COC dated XX/XX/XXXXor increase in Credit Report Fee with reason - Changed Circumstances affecting settlement costs which is not a valid reason for the change. Changed Circumstance did not provide information on change that necessitated the increase of the fee. Additional information on the change is needed to determine if the fee can be rebase lined Or provide lender cure along with Post close CD, LOE, Proof of Delivery and Copy of check. SELLER - GENERAL COMMENT (2022-03-31): While the COC provided with the XX/XX/XXXXD does not specify the fee, it is not a regulatory requirement, but rather a lender courtesy. Please refer to CFPB : § 1026.19(e)(4) REVIEWER - GENERAL COMMENT (2022-04-04): XXXXX received rebuttal that COC provided for XX/XX/XXXXD does not specify the fee, that it is not a regulatory requirement but rather a courtesty and to refer to CFPB 1026.19(e)(4). In order to determine a valid reason to increase costs on a borrower paid fee, there must be sufficient information to make that determination and simply stating "changed circumstances affecting settlement costs", is not giving a valid reason. The TRID rule allows for a fee to increase and tolerance reset only if a valid changed circumstance under 1026.19(e)(3)(iv)(A) is met. This section further defines a "changed circumstance" as: 1) An extraordinary event beyond the control of any interested party or other unexpected event specific to the consumer or transaction (§ 1026.19(e)(3)(iv)(A)(1)); 2) Information specific to the consumer or transaction that the creditor relied upon when providing the disclosures and that was inaccurate or changed after the disclosures were provided (§ 1026.19(e)(3)(iv)(A)(2)); or 3) New information specific to the consumer or transaction that the creditor did not rely on when providing the disclosures. (§ 1026.19(e)(3)(iv)(A)(3)). Please provide additional information &/or documentation that supports why the credit report fee increased from $XXX.XXto $XXX,XXX.XX, and should be supported by file documentation for the timeline within 3 days of lender knowledge of the event, otherwise cure is due borrower. SELLER - GENERAL COMMENT (2022-04-06): Please see PCCD, LOE, refund check and proof of delivery uploaded to cure the defect for increased Appraisal fee. REVIEWER - CURED COMMENT (2022-04-07): XXXXX upon further review received corrected PCCD, LOE, Mailing Label and copy of refund Check. SELLER - GENERAL COMMENT (2022-03-22): The Increase in the Appraisal fee was disclosed on the XX/XX/XXXXE with COC attached. REVIEWER - GENERAL COMMENT (2022-03-23): XXXXX received COC dated XX/XX/XXXXor increase in Appraisal Fee with reason - Loan Amount which is not a valid reason for the change. Changed Circumstance did not provide information on change that necessitated the increase of the fee. Additional information on the change is needed to determine if the fee can be rebase lined Or provide lender cure along with Post close CD, LOE, Proof of Delivery and Copy of check. SELLER - GENERAL COMMENT (2022-03-31): There was a change on XX/XX/XXXXo the loan amount and rate. The increase to the Appraisal fee was also disclosed on the XX/XX/XXXXE. While the COC provided with the XX/XX/XXXXD does not specify the fee, it is not a regulatory requirement, but rather a lender courtesy. Please refer to CFPB : § 1026.19(e)(4) REVIEWER - GENERAL COMMENT (2022-04-05): XXXXX received rebuttal that XX/XX/XXXXhange which showed reason as loan amount and rate and that not required to providewhy appraisal fee also increased. However, the question becomes why did the fee change? The TRID rule allows for a fee to increase and tolerance reset only if a valid changed circumstance under 1026.19(e)(3)(iv)(A) is met. This section further defines a "changed circumstance" as: • An extraordinary event beyond the control of any interested party or other unexpected event specific to the consumer or transaction (§ 1026.19(e)(3)(iv)(A)(1)); • Information specific to the consumer or transaction that the creditor relied upon when providing the disclosures and that was inaccurate or changed after the disclosures were provided (§ 1026.19(e)(3)(iv)(A)(2)); or • New information specific to the consumer or transaction that the creditor did not rely on when providing the disclosures. (§ 1026.19(e)(3)(iv)(A)(3)) So the question becomes, why did the fee increase? If the increase occurred based on new information specific to the transaction or consumer that was not relied on when the LE was provided, we can review that in consideration that a valid changed circumstance exists and the fee should be rebaselined to the higher amount. Loan Amount is not a "reason" that would affect an appraisal fee increase.as it doesn't meet the definition of a changed circumstance. In order to rebaseline to the higher amount, something new would have had to occur which caused the increase rather than lender just underestimating the cost of the appraisal fee on the previous LEs. Must provide additional details/reasons why the fee increased, which must be supported by file documentation for the timeline and redisclosed to borrower within 3 business days of lenders knowledge, or cure would be due borrower. SELLER - GENERAL COMMENT (2022-04-06): Please see attached PCCD, LOE, refund check for $XXX,XXX.XX (Credit report and Appraisal fees) and proof of delivery REVIEWER - CURED COMMENT (2022-04-07): XXXXX upon further review received corrected PCCD, LOE, Mailing Label and copy of refund Check. |
Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
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| XXXX | XXXX | XXXX | XXXX XXXX | 001821 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001678 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001674 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/1910614) [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/1910615) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7520) |
Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Final CD disclosed estimated mortgage insurance payment, however the loan does not have mortgage insurance. This was corrected on the post close CD. LOE and PCCD provided, however missing proof of delivery. Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: This was corrected on the post close CD. LOE and PCCD provided, however missing proof of delivery. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Cure for 0% tolerance violations in the amount of $XXX,XXX.XX was not provided. Provide a post-close CD disclosing the tolerance cure of $XXX,XXX.XX copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |
SELLER - GENERAL COMMENT (2022-04-14): amended CD shows corrected REVIEWER - CURED COMMENT (2022-04-18): XXXXX received a corrected PCCD within 60 days of consummation and prior to discovery. SELLER - GENERAL COMMENT (2022-04-14): proof of receipt REVIEWER - CURED COMMENT (2022-04-18): XXXXX received a corrected PCCD within 60 days of consummation and prior to discovery. SELLER - GENERAL COMMENT (2022-04-14): COC REVIEWER - GENERAL COMMENT (2022-04-15): XXXXX received COC dated XX/XX/XXXXut upon further review need additional information to justify the reason why fee was increased also need LE/CD which was disclosed within three business days of COC dated XX/XX/XXXXr need cure. SELLER - GENERAL COMMENT (2022-04-21): Cure REVIEWER - CURED COMMENT (2022-04-22): XXXXX received: Letter of Explanation, Proof of Mailing, Copy of Refund Check, and Corrected PCCD. |
Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
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| XXXX | XXXX | XXXX | XXXX XXXX | 001710 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001858 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose Amount of Non-Escrowed Property Costs over Year 1 (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXX,XXX.XX on page 4; however the HOA dues total $XXX,XXX.XX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXX,XXX.XX monthly, correct amount is $XXX,XXX.XX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. | SELLER - GENERAL COMMENT (2022-04-11): Amended CD REVIEWER - CURED COMMENT (2022-04-11): XXXXX Received PCCD and LOE. |
Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001625 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001746 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001582 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 1 | 1 | [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE WINTER STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES Disaster Declaration Date: XX/XX/XXXX |
Property Inspection for Severe Winter Storms, Flooding, Landslides and Mudslides with Disaster End Date ofXX/XX/XXXX. | REVIEWER - WAIVED COMMENT (2024-09-27): Client elects to waive. Comp factors: OK to Accept: No material damage evidenced in file; Additional comp factors: FICO 772; CLTV <46%; Job stability > 8 yrs; Reserves >$XXX.XXK; Loan is performing | 1 | 1 | Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has worked in the same position for more than 3 years. The Loan to Value (LTV) on the loan is less than or equal to 70%. The representative FICO score is above 680. |
- | B | A | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001729 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 2 | [2] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date XX/XX/XXXX, Disbursement Date: XX/XX/XXXX [2] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing. [1] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster End Date: XX/XX/XXXX Disaster Name: SEVERE STORMS AND FLOODING Disaster Declaration Date: XX/XX/XXXX |
REVIEWER - WAIVED COMMENT (2024-09-27): Client elects to waive. Comp factors: OK to Accept: Hazard policy acceptable, servicer can force place insurance if necessary; Additonal Comp factors: DTI <44%; CLTV 80%; Job stability >28 yrs; Reserves >$XXX.XX; Loan is performing REVIEWER - WAIVED COMMENT (2024-09-27): Client elects to waive. Comp factors: OK to Accept: Hazard policy acceptable, servicer can force place insurance if necessary; Additonal Comp factors: DTI <44%; CLTV 80%; Job stability >28 yrs; Reserves >$XXX.XX; Loan is performing REVIEWER - WAIVED COMMENT (2024-09-27): Client elects to waive. Comp factors: OK to Accept: No material damage evidenced in file; Additonal Comp factors: DTI <44%; CLTV 80%; Job stability >28 yrs; Reserves >$XXX.XX; Loan is performing |
1 | 2 | [2] City / Local Compliance - (City High Cost) XXXX Threshold Loan (Points and Fees): City of XXXX Anti-Predatory Lending Ordinance: Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of X.XX% of the City Total Loan Amount. Points and Fees total $XXX,XXX.XX on a City Total Loan Amount of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX or X.XX%). Compliant High Cost Loan. [2] County Compliance - (County High Cost) Cook County Threshold Loan (Points and Fees): Cook County Predatory Lending Ordinance: Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of X.XX% of the County Total Loan Amount. Points and Fees total $XXX,XXX.XX on a County Total Loan Amount of $XXX,XXX.XX vs. an allowable total of $XXX,XXX.XX (an overage of $XXX,XXX.XX or X.XX%). Compliant High Cost Loan. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: File is missing evidence of Borrower receipt of the preliminary appraisal at least 3 days prior to closing, as required. | REVIEWER - WAIVED COMMENT (2024-09-25): Client elects to waive. | City / Local Compliance - (City High Cost) XXXX Threshold Loan (Points and Fees): Assignee liability is unclear. The XXXX Ordinance does not expressly contain any assignee liability provisions and presumably, assignees loans face no exposure to civil liability. County Compliance - (County High Cost) Cook County Threshold Loan (Points and Fees): Although assignees of predatory loans do not face exposure to civil liability, lenders that make predatory loans may not be awards contracts with the County of Cook. |
Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. Borrower's monthly mortgage payment has decreased by at least 20%. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX,XXX.XX. |
- | B | B | A | B | |||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001782 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM (APOR) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX XXXX | 000100 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than X.XX%: Truth In Lending Act: Final TIL APR of X.XX% is underdisclosed from calculated APR of X.XX% outside of X.XX% tolerance. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than X.XX%: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000006 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Government Documentation - FHA MIP Error (Borrower Paid):: Calculated Borrower paid FHA upfront premium of $XXX,XXX.XX does not match the mortgage insurance premium collected on the HUD-1 of $XXX,XXX.XX [3] Insurance Eligibility - MI Monthly Premium Amount documented in file does not match the Prepaid Mortgage Insurance Premium amount per month collected on the HUD. [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |
2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000258 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: File is missing HUD, Note or TIL required to run compliance. | UTD | Indeterminable | D | D | |||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000265 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: File is missing HUD, Note or TIL required to run compliance. | UTD | Indeterminable | D | D | |||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000268 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: File is missing HUD, Note or TIL required to run compliance. | UTD | Indeterminable | D | D | |||||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001783 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX) [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure XX/XX/XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (FinXX/XX/XXXX) [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX overdisclosed a Total of Payments. (FinXX/XX/XXXX) |
Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Missing borrower's acknowledgement receipt a copy of appraisal was provided at or before closing. Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: No seller fees shown on final CD and a seller CD not provided. Federal Compliance - TRID Final Closing Disclosure Total Of Payments: The difference is $XXX,XXX.XX, which was paid by the lender |
REVIEWER - WAIVED COMMENT (2018-12-05): Client elects to waive. REVIEWER - WAIVED COMMENT (2018-12-04): Client elects to waive. REVIEWER - WAIVED COMMENT (2018-12-05): Client elects to waive REVIEWER - WAIVED COMMENT (2018-12-05): Client elects to waive |
Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001879 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: Disclosure does not reflect Lender Contact or Contact NMLS ID. | REVIEWER - WAIVED COMMENT (2019-12-26): Client elects to Waive | Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001717 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: The lender contact name and contact NMLS ID were not provided. | REVIEWER - WAIVED COMMENT (2020-02-10): Client elects to Waive | Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001814 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001712 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether property taxes are included in escrow. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: Escrows for property taxes were not collected in section G. | SELLER - GENERAL COMMENT (2020-01-17): PCCD to show Property taxes are not being included in escrow. REVIEWER - GENERAL COMMENT (2020-01-23): XXXXX received PCCD however cure is also LOE, reopen rescission, and proof of delivery. Exception XXXXX be cured once recession expires. SELLER - GENERAL COMMENT (2020-01-23): LOE and system proof of delivery SELLER - GENERAL COMMENT (2020-01-27): Rescission document, LOE and label REVIEWER - GENERAL COMMENT (2020-01-27): Required documents received; exception will be cured on XX/XX/XXXXwhen RTC expires. SELLER - GENERAL COMMENT (2020-02-04): RTC Expired. Please update condition. Thank you REVIEWER - CURED COMMENT (2020-02-04): Cure documentation received. |
Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001851 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: NO COCs provided for any of the Re Disclosures | SELLER - GENERAL COMMENT (2020-01-28): copy of COC for appraisal fee REVIEWER - GENERAL COMMENT (2020-01-30): COC received states fee increased as a result of receiving appraisal invoice. Receipt of invoice not considered a valid change of circumstance - cure due to borrower. SELLER - GENERAL COMMENT (2020-02-04): copy of refund check for appraisal fee, CD, Letter to borrower and XXXXX REVIEWER - GENERAL COMMENT (2020-02-04): XXXXX received PCCD indicating cure, LOE, refund check, and shipping label. Exception may be cured once proof of mailing is available. REVIEWER - CLEARED COMMENT (2020-02-04): New exception populated. Exception Cleared. REVIEWER - RE-OPEN COMMENT (2020-02-04): . SELLER - GENERAL COMMENT (2020-02-18): copy of XXXXX to show post CD and Refund check was deliver REVIEWER - CURED COMMENT (2020-02-20): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided |
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001856 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX disclosed a Finance Charge that does not match the actual finance charge for the loan. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosure reflects $XXX,XXX.XX; calculated is $XXX,XXX.XX; difference is $XXX,XXX.XXopy of itemization not provided. | SELLER - GENERAL COMMENT (2020-02-10): Could you please provide a breakdown of how you received the Finance Charge of $XXX,XXX.XX? Also, if the Finance Charge on our Final CD is $XXX.XXless than your calculated, why does it need to be refunded to the borrower if we did not charge them for it? REVIEWER - GENERAL COMMENT (2020-02-12): SitusAMC reviewed exception. The fees included are Loan Discount Points $XXX.XX6.25, Mortgage Broker Fee $XXX.XX37.50, Prepaid Interest $XXX,XXX.XX, Title-CPL $XXX.XX Title-Courier $XXX.XX Title-EDoc $XXX.XX Title-Notice of Settlement $XXX.XX Title-Demand $XXX.XX and Title-Settlement $XXX,XXX.XXt requires a refund as the finance charge disclosed to borrower was less than actually charged. Please provide a corrected CD, LOE, refund check, reopen rescission, and proof of delivery to cure. SELLER - GENERAL COMMENT (2020-02-17): Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, and Corrected CD attached. REVIEWER - GENERAL COMMENT (2020-02-20): SitusAMC received all required documents to cure except RTC. Because the loan is a refinance, RTC needs to be reopened in order to cure. SELLER - GENERAL COMMENT (2020-02-21): RTC Reopened REVIEWER - GENERAL COMMENT (2020-02-24): SitusAMC received shipping label and RTC. Exception may be cured once rescission expires 02/28. SELLER - GENERAL COMMENT (2020-02-28): Rescission expired. Please clear. Thanks! REVIEWER - CURED COMMENT (2020-03-03): Rescission is now expired. |
Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001784 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: Disclosure does not reflect Lender Contact and Contact NMLS ID. | REVIEWER - WAIVED COMMENT (2020-02-20): Client Elects to waive | Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001736 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | N/A | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 6,665.70 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (77190) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (77185) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7552) |
Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 6,665.70 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. |
REVIEWER - GENERAL COMMENT (2020-02-24): Annual non-escrowed costs on PCCD dated 2/14 do not match loan file cost documentation (6401.04). Please provide support for amount on theXX/XX/XXXX, or PCCD to cure. REVIEWER - GENERAL COMMENT (2020-02-28): SitusAMC did not received anything further on this exception. Please provide a corrected CD and LOE to cure. REVIEWER - GENERAL COMMENT (2020-03-03): Letter of Explanation & Corrected Closing Disclosure required to cure. SitusAMC using X.XX% for tax rate and HOI documents provided confirm premium of $XXX,XXX.XX / year for insurance. PC-CD received reflects $XXX,XXX.XX for Estimated Property Costs over Year 1 REVIEWER - GENERAL COMMENT (2020-03-05): HOI is $XXX,XXX.XX and Fire policy is $XXX,XXX.XX Letter of Explanation & Corrected Closing Disclosure required to cure REVIEWER - CURED COMMENT (2020-03-06): The lender provided a PCCD showing the total annual cost year 1 as $XXX.XX2.60 which matches the annual taxes of $XXX.XX2.50, HOI of $XXX,XXX.XX and Fire policy of $XXX.XX0.50 for a total of $XXX.XX2.58 a .2c variance. Other submitted closing statement provided are due to the state funding policy. |
Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001619 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Safe Harbor QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: Final CD did not disclose the Lender's Contact Name and NMLS ID. | REVIEWER - WAIVED COMMENT (2020-03-03): Client has accepted to waive | Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001844 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001598 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - Self Employed - Implicit Adherence: Qualified Mortgage (Dodd-Frank 2014): Self Employed borrower's loan file contained tax returns that are not signed/dated, but the loan file contains the tax transcripts to evidence the tax returns were signed/dated at time of submission to the IRS. [2] Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (FinXX/XX/XXXX) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7506) |
Federal Compliance - Self Employed - Implicit Adherence: All returns are not signed. Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: The lender contact name and contact NMLS ID were not provided. Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal fee disclosed as $XXX.XX on the LE dated XX/XX/XXXXbut disclosed as $XXX.XX on the Final Closing Disclosure. Cure was provided. |
REVIEWER - WAIVED COMMENT (2020-01-13): Client has elected to Waive REVIEWER - WAIVED COMMENT (2019-12-26): Client elects to Waive |
Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001642 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001762 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001838 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Safe Harbor QM | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (FinXX/XX/XXXX) [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (0) |
Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: Lender contact information was not provided on final Closing Disclosure. Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: The total of the Title Fees and Recording Fee reflected on the Final Closing Disclosure is $XXX,XXX.XX, the Loan Estimate disclosed $XXX.XX9. Cost to Cure indicated on the Final Closing Disclosure is $XXX,XXX.XX. |
REVIEWER - WAIVED COMMENT (2020-02-20): Client elects to waive | Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001776 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2 | 1 | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 1,308.00 on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXX,XXX.XX on page 4; however the HOA dues total $XXX,XXX.XX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXX,XXX.XX monthly, correct amount is $XXX,XXX.XX Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. | SELLER - GENERAL COMMENT (2022-01-21): Please advise we are in need of clarification of the fees; closer is coming up with the following: The monthly estimated taxes, insurance and assessments on page 1 should = $XXX.XX9.80 150/month HOA, 244.92/HOI and 1604.88/taxes. However the condition is showing: 1849.80. REVIEWER - GENERAL COMMENT (2022-01-25): Lender provided Closer fees which are accurate, but do not match what is shown on the final CD. HOA of $XXX.XX x 12 = $XXX.XX0; shown on page 4 as only $XXX.XX. Page 1 estimated escrows s/b $XXX.XX9.79; total monthly when combined with HOA = $XXX.XX9.79; PCCD to reflect changes to pages 1 & 4. Cure also requires LOE to Borrower(s); exception remains SELLER - GENERAL COMMENT (2022-02-10): Please see attached PCCD and LOX to clear this condition. REVIEWER - CURED COMMENT (2022-02-11): PCCD & LOE provided as trailing docs |
Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | A | B | A | B | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001881 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 1 | 1 | 1 | - | A | A | A | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001880 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 1 | 1 | 1 | - | A | A | A | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001883 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 2 | 2 | [2] Credit Eligibility - Public Record Issue:: Credit Report: Original // Public Record Type: Judgments / Balance: XXXX, Credit Report: Original // Public Record Type: Judgments / Balance: XXXX | All judgments and liens must be paid in full prior to or at closing per guideline. | BUYER - GENERAL COMMENT (2025-05-29): Lien loe. BUYER - GENERAL COMMENT (2025-05-29): Lein payoff REVIEWER - GENERAL COMMENT (2025-06-02): Provide evidence of the XXXX judgment was paid and released. BUYER - GENERAL COMMENT (2025-06-12): Please see attached confirmation of judgement being paid. Thank you. BUYER - GENERAL COMMENT (2025-06-12): Please see attached email from underwriter explaining documents provided for proof of paid judgement. Thank you. BUYER - GENERAL COMMENT (2025-06-12): Please find a better copy of underwriter's documentation explanation as to what was provided by the Borrower. Thank you. BUYER - GENERAL COMMENT (2025-06-12): Please see additional proof of judgement being paid off. REVIEWER - GENERAL COMMENT (2025-06-16): Judgments are required to be paid at or prior to closing and the XXXX judgment appears to have been paid post closing. BUYER - GENERAL COMMENT (2025-06-20): Please advise if paid @ closing per XXXX guidelines that is acceptable. PLEASE clear. Thank you. REVIEWER - GENERAL COMMENT (2025-06-20): The XXXX judgment is verified as paid and meets guidelines. The XXXX was not paid prior to or at closing per the loan documents. The bank statement showing the amount reflects the payment being on hold. The payment verification that verifies it was paid is dated XX/XX/XXXX which is after closing. BUYER - GENERAL COMMENT (2025-06-23): Please waive this condition. REVIEWER - WAIVED COMMENT (2025-06-23): Waived with compensating factors at clients request. |
1 | Borrower's Experience/Track Record | - | B | A | B | |||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001882 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Exempt from ATR | 1 | 1 | 1 | 1 | - | A | A | A | A | ||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 001884 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | N/A | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of XX is less than Guideline PITIA months reserves of XX. [2] Credit Eligibility - Public Record Issue:: Credit Report: Original // Public Record Type: Tax Liens / Balance: XXXX, Credit Report: Original // Public Record Type: Judgments / Balance: XXXX, Credit Report: Original // Public Record Type: Judgments / Balance: XXXX, Credit Report: Original // Public Record Type: Judgments / Balance: XXXX, Credit Report: Original // Public Record Type: Tax Liens / Balance: XXXX, Credit Report: Original // Public Record Type: Tax Liens / Balance: XXXX |
Borrower is short reserves due to insufficient assets. The file did not disclose evidence of settlement or release of judgment/lien. |
BUYER - GENERAL COMMENT (2025-08-20): Please clear as loan is a cash out refi transaction. REVIEWER - GENERAL COMMENT (2025-08-21): With the net proceeds and the assets provided, funds are insufficient to cover 9 months of reserves. Required assets = $XXX.XX and funds verified = $XXX.XX. BUYER - GENERAL COMMENT (2025-08-21): Please find exception attached. Thank you. REVIEWER - WAIVED COMMENT (2025-08-25): Waived with compensating factors per lender exception approval. BUYER - GENERAL COMMENT (2025-08-20): See email attached from law firm confirming no liens. Thank you. REVIEWER - GENERAL COMMENT (2025-08-21): It does not matter if they are tied to the subject property or not or if they are old, guidelines require all liens and judgments to be satisfied prior to or at closing. BUYER - GENERAL COMMENT (2025-08-29): Please find exception attached. REVIEWER - WAIVED COMMENT (2025-09-03): Waived with compensating factors per lender exception approval. |
1 | 1 | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $XXX.XX. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
- | B | A | A | B | ||||||||
| XXXX | XXXX | XXXX XXXX | 000985 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001095 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000990 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000843 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000902 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 1 | 1 | - | A | A | ||||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001126 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001010 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001093 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | UTD UTD | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [3] Miscellaneous Compliance - The Loan Purpose cannot be determined based on the documents in the loan file. Loan purpose of Cash Out Refinance was used to perform all applicable compliance testing. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001159 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Yes | TR Indeterminable | D | D | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000861 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000940 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000906 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000870 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Purchase | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [3] State Compliance - XXXX Home Loan (Late Charge): XXXX Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX,XXX.XX does not match calculated P&I of $XXX,XXX.XX. Note P&I was used for the APR calculation and compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
State Compliance - XXXX Home Loan (Late Charge): Assignee Liability: Assignees and purchasers of XXXX high cost home loans are subject to all affirmative claims and any defenses with respect to the loan that the borrower could assert against the original creditor of the loan. Section 6(c) of the Act also provides that a borrower acting only in an individual capacity may assert against the creditor or any subsequent holder or assignee: (1) Within six years of the closing of covered home loan, a violation of the Act as an original action or as a defense, claim, or counterclaim; and (2) At any time during the term of a high cost home loan a defense, claim or counterclaim. The aforementioned may both be brought after an action to collect on the home loan or foreclose on the collateral securing the home loan has been initiated, the debt arising from the home loan has been accelerated, or the home loan has become 60 days in default. Further, the Act contains a choice of law provision permitting actions under either the XXXX Consumer Fraud Act ("NJCFA"), which possibly allow for class actions, or the Act. The July 6, 2004 amendments clarify that a defense, claim, or counterclaim may only be brought in an individual capacity and may not be asserted in a class action. Additionally, the statute provides for punitive damages. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable (UAL State) | D | D | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000841 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [3] State Compliance - XXXX Home Loan (Late Charge): XXXX Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] State Compliance - XXXX Prepayment Penalty - Non Business Entity: XXXX Prepayment Penalty: No prepayment penalties are permissible in the state of XXXX under N.J.S.A. 46:10B-2. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] State Compliance - XXXX Prepayment Penalty RMLA Licensee Subordinate Lien: XXXX RMLA Prepayment Penalty (Subordinate Lien): Prepayment penalties are not permissible in the state of XXXX for loans made by licensees under NJ Admin Code 3:15-10.1(b). If not RMLA licensed, provide documentation or attestation. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. | State Compliance - XXXX Home Loan (Late Charge): Assignee Liability: Assignees and purchasers of XXXX high cost home loans are subject to all affirmative claims and any defenses with respect to the loan that the borrower could assert against the original creditor of the loan. Section 6(c) of the Act also provides that a borrower acting only in an individual capacity may assert against the creditor or any subsequent holder or assignee: (1) Within six years of the closing of covered home loan, a violation of the Act as an original action or as a defense, claim, or counterclaim; and (2) At any time during the term of a high cost home loan a defense, claim or counterclaim. The aforementioned may both be brought after an action to collect on the home loan or foreclose on the collateral securing the home loan has been initiated, the debt arising from the home loan has been accelerated, or the home loan has become 60 days in default. Further, the Act contains a choice of law provision permitting actions under either the XXXX Consumer Fraud Act ("NJCFA"), which possibly allow for class actions, or the Act. The July 6, 2004 amendments clarify that a defense, claim, or counterclaim may only be brought in an individual capacity and may not be asserted in a class action. Additionally, the statute provides for punitive damages. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
UTD | Indeterminable (UAL State) | D | D | |||||||||||||
| XXXX | XXXX | XXXX XXXX | 000966 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable (UAL State) | D | D | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000695 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
3 | [3] State Compliance - XXXX Home Loan (Late Charge): XXXX Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |
Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Right of Rescission Timing HELOC - Receipt Date Missing | State Compliance - XXXX Home Loan (Late Charge): Assignee Liability: Assignees and purchasers of XXXX high cost home loans are subject to all affirmative claims and any defenses with respect to the loan that the borrower could assert against the original creditor of the loan. Section 6(c) of the Act also provides that a borrower acting only in an individual capacity may assert against the creditor or any subsequent holder or assignee: (1) Within six years of the closing of covered home loan, a violation of the Act as an original action or as a defense, claim, or counterclaim; and (2) At any time during the term of a high cost home loan a defense, claim or counterclaim. The aforementioned may both be brought after an action to collect on the home loan or foreclose on the collateral securing the home loan has been initiated, the debt arising from the home loan has been accelerated, or the home loan has become 60 days in default. Further, the Act contains a choice of law provision permitting actions under either the XXXX Consumer Fraud Act ("NJCFA"), which possibly allow for class actions, or the Act. The July 6, 2004 amendments clarify that a defense, claim, or counterclaim may only be brought in an individual capacity and may not be asserted in a class action. Additionally, the statute provides for punitive damages. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |
Late Charge | C | C | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000710 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Late Charge Grace Period Testing: XXXX Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000953 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] State Compliance - XXXX Prepayment Penalty Junior Lien: XXXX Prepayment Penalty: A prepayment penalty is not permissible on a subordinate lien loan. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001059 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Prepayment Penalty Junior Lien: XXXX Prepayment Penalty: A prepayment penalty is not permissible on a subordinate lien loan. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001306 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on note of $XXX.XX does not correspond with the loan amount, loan term and interest rate on the loan. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001073 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Purchase | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] State Compliance - XXXX Late Charge Grace Period Testing: XXXX Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. [2] State Compliance - XXXX Late Charge Percent Testing: XXXX Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. [2] State Compliance - XXXX Prepayment Penalty Junior Lien: XXXX Prepayment Penalty: A prepayment penalty is not permissible on a subordinate lien loan. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Yes | TR Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000515 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001014 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Purchase | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] State Compliance - Pennsylvania Subordinate Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001075 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 1 | 1 | - | A | A | ||||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001044 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 1 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 1 | - | A | A | |||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000700 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |
Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Right of Rescission Timing HELOC - Receipt Date Missing | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000693 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |
- | B | B | |||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000464 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001088 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX,XXX.XX does not match calculated P&I of $XXX,XXX.XX. Calculated P&I was used for the APR calculation and compliance testing. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001307 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 3 | [3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Document Error - Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001009 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001104 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Purchase | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] State Compliance - XXXX Home Loan (Complaint Agency Disclosure Not Provided): XXXX Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Yes | TR Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000134 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
- | B | B | |||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000890 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Home Loan (Arbitration Clause): XXXX Home Loan: Mortgage loan contains an unfair or oppressive arbitration clause. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
State Compliance - XXXX Home Loan (Arbitration Clause): Assignee Liability: Purchasers and assignees of high cost home loans are subject to all affirmative claims and any defenses the borrower could assert against the original creditor or home improvement contractor where a home loan was made, arranged or assigned by the home improvement contractor. However, the foregoing does not apply to loans other than high cost home loans unless applicable law requires a certificate of occupancy, inspection or completion to be obtained and said certificate is not obtained. The statute provides for damages which may include: (i) actual damages; (ii) statutory damages equal to the recovery of twice the interest paid and forfeiture of interest for any violation relating to the financing of insurance or recommendation of default, loan flipping or any of the high cost prohibited terms and practices; (iii) punitive damages; (iv) costs and attorneys' fees; (v) injunctive, declaratory and other equitable relief; (vi) rescission for violations of the flipping, insurance, and encouragement of default provisions as well as the high cost home loan provisions; (vii) administrative penalties; and (viii) criminal penalties. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001031 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001438 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX,XXX.XX does not match calculated P&I of $XXX,XXX.XX. Note P&I was used for the APR calculation and compliance testing. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on note of $XXX,XXX.XX does not correspond with the loan amount, loan term and interest rate on the loan. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000509 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | - | B | B | |||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000707 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000981 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower at application. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001007 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000978 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000504 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] State Compliance - Tennessee Prepayment Penalty Test: Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000562 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
No | TNR Testing Not Required | D | D | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001439 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000098 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001094 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000844 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - Kentucky Prepayment Penalty Test: Kentucky Prepayment Penalty: Loan prepay term of 180 months exceeds state maximum of 36 months. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |
Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000702 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | 2 | [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] State Compliance - XXXX Late Charge Percent and Amount Testing: XXXX Late Charge: Note late charge of X.XX%/$XXX,XXX.XX exceeds state maximum of 5% or $XXX.XX whichever is greater. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000692 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000439 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000698 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] State Compliance - XXXX Late Charge Percent and Amount Testing: XXXX Late Charge: Note late charge of X.XX%/$XXX,XXX.XX exceeds state maximum of 5% or $XXX.XX whichever is greater. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000878 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000690 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000570 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: XXXX Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. [2] State Compliance - XXXX Consumer Mortgage Protection Act (Counseling Agencies List Timing): XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty: Maximum calculated prepay of $XXX,XXX.XX exceeds the state maximum for first lien loans of 1% of the prepaid balance ($XXX,XXX.XX). Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA State Compliance - XXXX Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. State Compliance - XXXX Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000543 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001076 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000867 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on note of $XXX.XX does not correspond with the loan amount, loan term and interest rate on the loan. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000850 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000541 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX,XXX.XX does not match calculated P&I of $XXX,XXX.XX. Note P&I was used for the APR calculation and compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000875 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): XXXX Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation. [2] State Compliance - XXXX Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): XXXX Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |
State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Assignee liability is unclear. Purchasers and assignees of XXXX mortgage loans would not appear to be liable for violations of the Act. However, effective 8/1/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000942 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): XXXX Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation. [2] State Compliance - XXXX Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): XXXX Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Assignee liability is unclear. Purchasers and assignees of XXXX mortgage loans would not appear to be liable for violations of the Act. However, effective 8/1/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001055 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001022 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001058 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): XXXX Residential Mortgage Originator and Servicer Licensing Act: File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and max balance, if applicable. [2] State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): XXXX Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |
State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Assignee liability is unclear. Purchasers and assignees of XXXX mortgage loans would not appear to be liable for violations of the Act. However, effective 8/1/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000688 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] State Compliance - XXXX Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: RTC Signature Date missing | Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001081 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): XXXX Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation. [2] State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): XXXX Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |
State Compliance - XXXX Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Assignee liability is unclear. Purchasers and assignees of XXXX mortgage loans would not appear to be liable for violations of the Act. However, effective 8/1/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000860 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Purchase | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000837 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] State Compliance - XXXX Prepayment Penalty 2008 Test: XXXX Prepayment Penalty (Residential Mortgage License Act): Loan contains prepayment penalty and borrower was not provided a loan without a prepayment penalty. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |
- | B | B | |||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001175 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty (XXXX Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000437 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000133 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Missing Document - FHA Informed Consumer Choice Disclosure is missing.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000438 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Purchase | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] State Compliance - Missouri Prepayment Penalty: Missouri Prepayment Penalty: Maximum calculated prepay of $XXX,XXX.XX exceeds the state maximum of 2% of the prepaid balance ($XXX,XXX.XX). Prepay language states prepay will not exceed maximum permitted by applicable law. [2] State Compliance - Missouri Prepayment Penalty ARM: Missouri Prepayment Penalty: A prepayment penalty is not permissible on an adjustable rate loan. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
No | TNR Testing Not Required | D | D | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001136 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000540 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] State Compliance - Louisiana Prepayment Penalty: Louisiana Prepayment Penalty: Maximum penalty allowed per state is 5%, 4%, 3%, 2%, 1% (in Years 1-5). Loan contracts for prepay percentages of X.XX%, X.XX%, X.XX%, which exceeds the max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000015 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001099 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | - | B | B | |||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000876 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000441 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000696 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001176 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Purchase | 3 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000685 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000709 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] State Compliance - XXXX Primary Residence Late Charge Percent Testing: XXXX Late Charge: Note late charge of X.XX%/$XXX,XXX.XX exceeds state maximum of 6% or $XXX.XXwhichever is greater. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |
Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000684 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |
Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000701 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000014 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000022 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1 Alternate Document Used for Fees (Primary): Missing Final HUD-1: Estimated HUD1 used for any applicable Federal, State or Local compliance testing. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |
Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | TNR Testing Not Required | D | D | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001021 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000706 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000567 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 3 | 3 | [3] Federal Compliance - Missing Final HUD-1 Alternate Document Used for Fees (Primary): Missing Final HUD-1: Title Co. Closing Statement used for any applicable Federal, State or Local compliance testing. [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] State Compliance - XXXX Prepayment Penalty: XXXX Prepayment Penalty: Maximum prepay allowed is 6 months interest calculated on 80% of the original balance ($XXX,XXX.XX). Loan contracts for maximum calculated prepay of $XXX,XXX.XX, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type. Prepay language states prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $XXX,XXX.XX. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |
Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
Yes | TR Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000561 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | 2 | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000699 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | 2 | [2] State Compliance - XXXX Primary Residence Late Charge Percent Testing: XXXX Late Charge: Note late charge of X.XX%/$XXX,XXX.XX exceeds state maximum of 6% or $XXX.XXwhichever is greater. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Right of Rescission Timing HELOC - Receipt Date Missing | Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000705 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Title / Lien Defect - (Doc Error) Loan was portrayed as first lien but found to be a second lien [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000708 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 | 2 | [2] State Compliance - XXXX Primary Residence Late Charge Percent Testing: XXXX Late Charge: Note late charge of X.XX%/$XXX,XXX.XX exceeds state maximum of 6% or $XXX.XXwhichever is greater. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |
Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000691 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000273 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 3 | [1] Application / Processing - Missing Document: Missing Final 1003 | 3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
UTD | Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000516 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | Refinance UTD | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [1] Application / Processing - Missing Document: Missing Final 1003 |
3 | [3] Federal Compliance - Missing Final HUD-1 No Alternate Fee Source Document (Primary or Second Home): Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [2] Federal Compliance - Missing Initial Loan Application No Fees Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |
Yes | TR Indeterminable | D | D | ||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001084 | $XXX,XXX.XX | XX | XX/XX/XXXX | UTD | UTD UTD | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 [1] Application / Processing - Missing Document: Missing Final 1003 |
2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |
- | B | B | |||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000274 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: The file is missing one or more of the core documents required for a review. Please provide an AUS, Approval or 1008, income verification, asset verification, an origination credit report, and all issued LE's and CD's. | UTD | Indeterminable | A | D | A | D | |||||||||||||
| XXXX | XXXX | XXXX XXXX | 001288 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | HUD Safe Harbor QM | 3 | 3 | [3] General - FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) [2] Government Documentation - FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date.: Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents) |
Informed Consumer Choice Disclosure not provided to borrower within 3 business days of the loan application. FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date. FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date. |
1 | 1 | - | C | A | A | C | |||||||||||
| XXXX | XXXX | XXXX XXXX | 001568 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Purchase | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: Loan is DSCR for which guidelines are required. | UTD | Indeterminable | A | D | A | D | |||||||||||
| XXXX | XXXX | XXXX XXXX | 001569 | $XXX,XXX.XX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: Loan is DSCR for which guidelines are required. | UTD | Indeterminable | A | D | A | D | |||||||||||
| XXXX | XXXX | XXXX XXXX | 000010 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. |
Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000009 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2 | 2 | [2] Guideline Issue - Due diligence review based on non-origination guidelines (i.e. aggregator, seller). | 1 | 2 | [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. | Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: No cure was provided. | Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | A | B | |||||||||
| XXXX | XXXX | XXXX XXXX | 000583 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] State Compliance - Oregon Prepayment Penalty Max Prepay: Oregon Prepayment Penalty: Loan agreement or Note does not clearly state the maximum prepayment penalty applicable to each year of the loan. |
Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |
- | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 000673 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | 2 | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. [2] Federal Compliance - Missing Initial Loan Application Testing: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date using the following dates: XX/XX/XXXX, XX/XX/XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |
Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | - | B | B | ||||||||||||||||
| XXXX | XXXX | XXXX XXXX | 001285 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | Higher Priced QM | 2 | 2 | [2] Guideline Issue - Due diligence review based on non-origination guidelines (i.e. aggregator, seller). | 1 | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX) [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (0) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. (7520) |
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal proof of delivery is not provided within 3 business days prior to closing Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. Sufficient or excess cure was provided to the borrower at Closing. |
REVIEWER - CURED COMMENT (2026-01-28): Sufficient Cure Provided At Closing REVIEWER - CURED COMMENT (2026-01-28): Sufficient Cure Provided At Closing |
- | B | B | A | B | |||||||||
| XXXX | XXXX | XXXX XXXX | 001287 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | HUD Safe Harbor QM | 3 | 3 | [3] Guideline Issue - All borrowers are not on title, as required per FHA [3] Government Documentation - Amendatory Clause is missing.: Disclosure: FHA - Amendatory Clause (Government Documents) [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX; Disaster Name: SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES; Disaster Declaration Date: XX/XX/XXXX; Disaster End Date: XX/XX/XXXX [3] General - FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] Government Documentation - Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) [3] Insufficient Coverage - The Hazard Insurance Policy effective date is after the funds disbursed.: Hazard Insurance Policy Effective Date XX/XX/XXXX; Disbursement Date: XX/XX/XXXX; Note Date: XX/XX/XXXX; Transaction Date: XX/XX/XXXX [2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) [2] Government Documentation - FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date.: Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents) |
All borrowers are not on title, as required per FHA Amendatory Clause is missing. E-sign Consent Agreement is missing. Real Estate Certification is missing. Hazard Insurance Policy Effective Date is after the later of the disbursement Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date. |
1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: The amount of the initial deposit disclosed on the Initial Escrow Statement does not match the amount disclosed on the final CD. | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | - | C | B | A | C | ||||||||
| XXXX | XXXX | XXXX XXXX | 001291 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term | HUD Safe Harbor QM | 2 | 2 | [2] Guideline Issue - Due diligence review based on non-origination guidelines (i.e. aggregator, seller). | 1 | 2 | [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of 6,364.20 on Final Closing Disclosure provided on XX/XX/XXXX are overdisclosed. (FinXX/XX/XXXX) | Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - Pre XXXX: The Estimated Escrows listed on the final signed and dated Closing Disclosure reflects $XXX,XXX.XX in escrow. The Escrowed property costs over Year 1 in the amount of $XXX,XXX.XX includes the monthly MI payment of $XXX,XXX.XX. | Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - Pre October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | - | B | B | A | B | |||||||||
| XXXX | XXXX | XXXX XXXX | 001357 | $XXX,XXX.XX | XX | XX/XX/XXXX | 3 | 1 | 1 | 3 | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: The file is missing one or more of the core documents required for a review. Please provide an AUS, Approval or 1008, income verification, asset verification, an origination credit report, and all issued LE's and CD's. | UTD | Indeterminable | A | D | A | D | |||||||||||||
| XXXX | XXXX | XXXX XXXX | 001361 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Purchase | ATR Risk | 3 | 3 | [3] Asset Documentation - Asset documentation requirements not met. [3] Asset Calculation / Analysis - AUS Findings: Available for Reserves discrepancy.: Calculated Available for Reserves of $XXX,XXX.XX is less than AUS Available for Reserves of $XXX,XXX.XX. [3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds AUS total debt ratio of X.XX%. [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX,XXX.XX is less than Cash From Borrower $XXX,XXX.XX. [3] Missing Document - CAIVRS Authorization is missing.: Disclosure: CAIVRS Authorization (Government Documents) [3] General - FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of X.XX% exceeds Guideline total debt ratio of X.XX%. [3] Guideline Issue - The FHA Minimum Required Investment was not met per the documented Assets in file.: Total Borrower Contribution (Per Assets): $XXX,XXX.XX; Borrower's % Investment (Per Assets): X.XX% [2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) |
Proceeds from departing residence 812 Royal Oaks Ave in the amount of $XXX,XXX.XX were submitted in the qualifying balance, but a HUD1, Closing Statement or CD from the sale was not provided. Proceeds from departing residence 812 Royal Oaks Ave in the amount of $XXX,XXX.XX were submitted in the qualifying balance, but a HUD1, Closing Statement or CD from the sale was not provided. Borrower's departing residence is listed as pending sale, but evidence of the sale was not provided. Including the payment in the debt calculation brings the DTI to X.XX% and out of tolerance. Proceeds from departing residence 812 Royal Oaks Ave in the amount of $XXX,XXX.XX were submitted in the qualifying balance, but a HUD1, Closing Statement or CD from the sale was not provided. CAIVRS Authorization is missing. FHA - Informed Consumer Choice Disclosure not provided to borrower within 3 business days of the loan application. Evidence of sale of the departing residence is missing. Including the payment in the debt calculation brings the DTI to X.XX% and out of tolerance. Proceeds from departing residence 812 Royal Oaks Ave in the amount of $XXX,XXX.XX were submitted in the qualifying balance, but a HUD1, Closing Statement or CD from the sale was not provided. FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date. |
1 | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of X.XX% significantly exceeds the guideline maximum of X.XX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] State Compliance - XXXX Counseling Agencies Disclosure Not in File: XXXX HB1399 - No evidence of required counseling disclosure language per XXXX HB 1399. [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (FinXX/XX/XXXX) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. $XXX,XXX.XX over legal limit. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. $XXX,XXX.XX over legal limit. Insufficient or no cure was provided to the borrower. (7200) |
Federal Compliance - Check Loan Designation Match - QM: Income and assets were not verified as required by the AUS which impacts ATR. Federal Compliance - General Ability To Repay Provision Investor Guidelines: Income and assets were not verified as required by the AUS which impacts ATR. Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Borrower's departing residence is listed as pending sale, but evidence of the sale was not provided. Including the payment in the debt calculation brings the DTI to X.XX% and out of tolerance. Federal Compliance - HUD QM AU Finding Fail: Income and assets were not verified as required by the AUS. Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Borrower's departing residence is listed as pending sale, but evidence of the sale was not provided. Including the payment in the debt calculation brings the DTI to X.XX% and out of tolerance. Additionally, proceeds from the sale were submitted in qualifying balance, but a copy of the HUD1, CD, or Closing Statement from transaction was not provided. Federal Compliance - QM DTI: Borrower's departing residence is listed as pending sale, but evidence of the sale was not provided. Including the payment in the debt calculation brings the DTI to X.XX% and out of tolerance. Federal Compliance - (Missing Data) Last Rate Set Date: Initial rate lock date is not provided. Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: Final Closing Disclosure provided on XX/XX/XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Evidence that an initial CD was provided to borrower within three days prior to closing is missing. Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Total amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX plus 10% or $XXX,XXX.XX. $XXX,XXX.XX over legal limit. No cure was provided to the borrower. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points Fee Amount of $XXX,XXX.XX exceeds tolerance of $XXX,XXX.XX. $XXX,XXX.XX over legal limit. No cure was provided to the borrower. |
Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. Federal Compliance - QM DTI: Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. State Compliance - XXXX Counseling Agencies Disclosure Not in File: HB 1399 does not contain express provisions for assignee liability. Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |
TILA ATR/QM | C | C | A | C | ||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000011 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation | 2 | 2 | [2] State Compliance - Note Error: Note late charge percentage exceeds maximum per state | State Compliance - Note Error: Note late charge percentage exceeds maximum per state: 5% late charge exceeds 2% maximum per state (NY). | - | B | B | |||||||||||||||
| XXXX | XXXX | XXXX | XXXX XXXX | 000012 | $XXX,XXX.XX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other | 2 | [1] Application / Processing - Missing Document: Missing Final 1003 | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. | - | B | B | |||||||||||||||
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| AMC Loan ID | Customer Loan ID | Seller Loan ID | Servicer Loan ID | Edgar Loan ID | Investor Loan Number | Field Label | Bid Tape Field Value | Field Value |
| XXXX | XXXX | XXXX | 000016 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000016 | Doc Type | Reduced | Full | ||
| XXXX | XXXX | XXXX | 000017 | Coborrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | ||
| XXXX | XXXX | XXXX | 000017 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000017 | Property Type | Multi Family | Single Family Detached | ||
| XXXX | XXXX | XXXX | XXXX | 000018 | Original Term | 528 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000018 | Amortization Term | 528 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000018 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000018 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000018 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000018 | Refi Purpose | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | XXXX | 000019 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000019 | Property Type | Single Family | ||
| XXXX | XXXX | XXXX | XXXX | 000019 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000019 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000019 | Original CLTV | 54 | ||
| XXXX | XXXX | XXXX | XXXX | 000019 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000001 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000001 | Property Type | Multi Family | Single Family Detached | |
| XXXX | XXXX | XXXX | XXXX | 000001 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | 000020 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000020 | Original Term | 418 | 360 | ||
| XXXX | XXXX | XXXX | 000020 | Amortization Term | 418 | 360 | ||
| XXXX | XXXX | XXXX | 000020 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000020 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000020 | Purpose | Purchase | |||
| XXXX | XXXX | XXXX | 000020 | Original CLTV | 96.41 | 94.99 | ||
| XXXX | XXXX | XXXX | 000020 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000021 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000021 | Original CLTV | 71.43 | 73.47 | ||
| XXXX | XXXX | XXXX | 000021 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000023 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000024 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000025 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000025 | Doc Type | Full | UTD | ||
| XXXX | XXXX | XXXX | 000025 | Original CLTV | 85.87 | 110.67 | ||
| XXXX | XXXX | XXXX | XXXX | 000068 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000068 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000068 | Property Type | Single Family | PUD | |
| XXXX | XXXX | XXXX | XXXX | 000068 | LTV Valuation Value | 114000.00 | ||
| XXXX | XXXX | XXXX | 000026 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000026 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000026 | Refi Purpose | Cash-out | Rate/Term | ||
| XXXX | XXXX | XXXX | XXXX | 000031 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000031 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000031 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000031 | Original CLTV | 58.36 | 60 | |
| XXXX | XXXX | XXXX | XXXX | 000031 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000032 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000032 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000032 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000032 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000032 | LTV Valuation Value | 308696.00 | 310000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000002 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000002 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000002 | LTV Valuation Value | 373469.00 | 375000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000034 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000034 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000034 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000034 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000034 | Original CLTV | 43 | 68.92 | |
| XXXX | XXXX | XXXX | XXXX | 000034 | LTV Valuation Value | 609302.00 | 600000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000035 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000035 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000035 | LTV Valuation Value | 326087.00 | 325000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000036 | Coborrower Last Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000036 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000036 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000036 | Doc Type | Full | ||
| XXXX | XXXX | XXXX | XXXX | 000036 | LTV Valuation Value | 65789.00 | 66000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000037 | Doc Type | Alt | ||
| XXXX | XXXX | XXXX | XXXX | 000037 | Original CLTV | 72 | 62.5 | |
| XXXX | XXXX | XXXX | XXXX | 000037 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000037 | LTV Valuation Value | 173611.00 | 200000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000038 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000038 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000038 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000038 | Doc Type | Full | ||
| XXXX | XXXX | XXXX | XXXX | 000038 | Refi Purpose | Rate/Term | Cash-out - Other | |
| XXXX | XXXX | XXXX | 000039 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000039 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000039 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000039 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 000039 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000039 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000039 | Original CLTV | 97 | 114.59 | ||
| XXXX | XXXX | XXXX | 000039 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000039 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000039 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000040 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000040 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000040 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 000040 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000040 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000041 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000041 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000041 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 000041 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000041 | Refi Purpose | Cash-out | Rate/Term | ||
| XXXX | XXXX | XXXX | 000042 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000042 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000042 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000043 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000043 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000043 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000043 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000043 | Purpose | Refinance | UTD | ||
| XXXX | XXXX | XXXX | 000043 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000043 | Refi Purpose | Rate/Term | UTD | ||
| XXXX | XXXX | XXXX | 000043 | Original CLTV | 87 | |||
| XXXX | XXXX | XXXX | 000043 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000044 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000044 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000044 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000044 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000045 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000045 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000045 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000045 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000045 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000045 | Property Type | Townhouse | PUD | ||
| XXXX | XXXX | XXXX | 000045 | Purpose | Purchase | Refinance | ||
| XXXX | XXXX | XXXX | 000045 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000045 | Refi Purpose | Rate/Term | |||
| XXXX | XXXX | XXXX | 000046 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000046 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000046 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000047 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000047 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000047 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000047 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000047 | Original CLTV | 70 | 85.51 | ||
| XXXX | XXXX | XXXX | 000048 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000048 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000048 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000048 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000048 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000049 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000049 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000049 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000049 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000049 | Refi Purpose | Cash-out | Rate/Term | ||
| XXXX | XXXX | XXXX | 000051 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000051 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000051 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000051 | Interest Only | 1 | |||
| XXXX | XXXX | XXXX | 000051 | Interest Only Period | 60 | |||
| XXXX | XXXX | XXXX | 000051 | Purpose | Purchase | |||
| XXXX | XXXX | XXXX | 000051 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 000051 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000051 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000051 | Payment Frequency | Monthly | |||
| XXXX | XXXX | XXXX | 000051 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000051 | LTV Valuation Value | 160900.00 | 160000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000052 | Interest Only | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000052 | Purpose | Purchase | ||
| XXXX | XXXX | XXXX | XXXX | 000052 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 000052 | Payment Change Frequency | 12 | 6 | |
| XXXX | XXXX | XXXX | XXXX | 000052 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | 000003 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000003 | Purpose | Purchase | |||
| XXXX | XXXX | XXXX | 000003 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000003 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000053 | Interest Only | 1 | |||
| XXXX | XXXX | XXXX | 000053 | Interest Only Period | 60 | |||
| XXXX | XXXX | XXXX | 000053 | Occupancy | Primary | Second Home | ||
| XXXX | XXXX | XXXX | 000053 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000053 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000053 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | XXXX | 000030 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000030 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000030 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000030 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000030 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000030 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000030 | Purpose | Refinance | ||
| XXXX | XXXX | XXXX | XXXX | 000030 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000030 | Prepayment Penalty Period (months) | 12 | ||
| XXXX | XXXX | XXXX | XXXX | 000030 | Prepayment Penalty | 0 | 1 | |
| XXXX | XXXX | XXXX | 000055 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | XXXX | 000056 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000056 | Property Type | Single Family | 2 Family | |
| XXXX | XXXX | XXXX | XXXX | 000056 | Occupancy | Primary | ||
| XXXX | XXXX | XXXX | XXXX | 000056 | Purpose | Refinance | ||
| XXXX | XXXX | XXXX | XXXX | 000056 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000056 | Margin | 0.0225 | 2.25 | |
| XXXX | XXXX | XXXX | XXXX | 000056 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000056 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000056 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000056 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000056 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000056 | Refi Purpose | Rate/Term | ||
| XXXX | XXXX | XXXX | XXXX | 000056 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000056 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000057 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000057 | Property Type | Single Family | PUD | |
| XXXX | XXXX | XXXX | XXXX | 000057 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000057 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000057 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000005 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000005 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000005 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000005 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000005 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000005 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000005 | Margin | 2.75 | 3.4 | |
| XXXX | XXXX | XXXX | XXXX | 000005 | Interest Rate Change Frequency | 12 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000005 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000005 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000005 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000005 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000005 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | 000065 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000065 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000065 | Purpose | UTD | Refinance | ||
| XXXX | XXXX | XXXX | 000065 | Refi Purpose | Cash-out - Other | |||
| XXXX | XXXX | XXXX | 000065 | LTV Valuation Value | 347500.00 | 350000.00 | ||
| XXXX | XXXX | XXXX | 000066 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000066 | Original CLTV | 96.6 | 95.17 | ||
| XXXX | XXXX | XXXX | 000066 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000069 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000069 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000069 | Purpose | Refinance | UTD | ||
| XXXX | XXXX | XXXX | 000069 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000069 | Refi Purpose | Rate/Term | UTD | ||
| XXXX | XXXX | XXXX | 000069 | Original CLTV | 95 | |||
| XXXX | XXXX | XXXX | 000069 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000069 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000069 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000061 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000061 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000061 | Occupancy | UTD | Primary | ||
| XXXX | XXXX | XXXX | 000061 | Original CLTV | 80 | 100 | ||
| XXXX | XXXX | XXXX | 000080 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000080 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000080 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000080 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000080 | Margin | 5.75 | |||
| XXXX | XXXX | XXXX | 000080 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000080 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000080 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000080 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000080 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000080 | Interest Rate Initial Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000080 | Original CLTV | 80 | 90 | ||
| XXXX | XXXX | XXXX | 000080 | Original Interest Rate Period | 24 | |||
| XXXX | XXXX | XXXX | 000082 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000082 | Purpose | Purchase | Refinance | ||
| XXXX | XXXX | XXXX | 000082 | Refi Purpose | Cash-out - Debt Consolidation | |||
| XXXX | XXXX | XXXX | 000093 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000093 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000093 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | XXXX | 000091 | Amortization Term | 381 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000091 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000091 | Occupancy | UTD | Primary | |
| XXXX | XXXX | XXXX | XXXX | 000091 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000091 | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000091 | Refi Purpose | UTD | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 000101 | # of Units | 4 | 2 | |
| XXXX | XXXX | XXXX | XXXX | 000101 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000103 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000103 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000103 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000103 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | 000105 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000105 | Refi Purpose | Cash-out | Rate/Term | ||
| XXXX | XXXX | XXXX | 000106 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000104 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000104 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000104 | Original CLTV | 93.44 | 95 | ||
| XXXX | XXXX | XXXX | 000104 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | XXXX | 000107 | Original Term | 518 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000107 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000107 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000107 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000107 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000107 | Margin | 3.4 | ||
| XXXX | XXXX | XXXX | XXXX | 000107 | Interest Rate Change Frequency | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000107 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000107 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000107 | Interest Rate Life Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000107 | First Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000107 | Rounding Factor | 0.000 | ||
| XXXX | XXXX | XXXX | XXXX | 000107 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000107 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000108 | Original Term | 404 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000108 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000108 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000108 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000108 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000108 | Margin | 2.85 | ||
| XXXX | XXXX | XXXX | XXXX | 000108 | Interest Rate Change Frequency | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000108 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000108 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000108 | Interest Rate Life Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000108 | First Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000108 | Rounding Factor | 0.000 | ||
| XXXX | XXXX | XXXX | XXXX | 000108 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | 000109 | Original Term | 338 | 360 | ||
| XXXX | XXXX | XXXX | 000109 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000109 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000109 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000109 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 000109 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 000109 | Interest Rate Life Max | XX | XX | ||
| XXXX | XXXX | XXXX | 000109 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000109 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000109 | Rounding Factor | 0.000 | |||
| XXXX | XXXX | XXXX | 000109 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000109 | Maximum Balance % | 0 | |||
| XXXX | XXXX | XXXX | 000109 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | ||
| XXXX | XXXX | XXXX | 000110 | Original Term | 480 | 360 | ||
| XXXX | XXXX | XXXX | 000110 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000110 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000110 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000110 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000110 | Margin | 0 | 3.4 | ||
| XXXX | XXXX | XXXX | 000110 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000110 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 000110 | Interest Rate Life Max | XX | XX | ||
| XXXX | XXXX | XXXX | 000110 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000110 | First Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000110 | Next Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000110 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000110 | Maximum Balance % | 0 | 125 | ||
| XXXX | XXXX | XXXX | 000110 | LTV Valuation Value | 620000.00 | 610000.00 | ||
| XXXX | XXXX | XXXX | 000110 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | ||
| XXXX | XXXX | XXXX | XXXX | 000102 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000102 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000102 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000102 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000102 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000102 | Refi Purpose | Rate/Term | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 000111 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | 000117 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000117 | Refi Purpose | Cash-out | Rate/Term | ||
| XXXX | XXXX | XXXX | 000117 | Original CLTV | 95.06 | |||
| XXXX | XXXX | XXXX | 000117 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | XXXX | 000121 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000121 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000121 | Margin | 3.25 | ||
| XXXX | XXXX | XXXX | XXXX | 000121 | Interest Rate Change Frequency | 12 | ||
| XXXX | XXXX | XXXX | XXXX | 000121 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000121 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000121 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000121 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000121 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000121 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000121 | LTV Valuation Value | 193000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000121 | Coborrower Full Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | 000119 | Investor: Qualifying Total Debt Ratio | XX.XXX | xxx | ||
| XXXX | XXXX | XXXX | XXXX | 000116 | Amortization Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000116 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000116 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000116 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000116 | Investor: Qualifying Housing Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000118 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000118 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000118 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000118 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000114 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000114 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000114 | Purpose | Refinance | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 000114 | Originator Application Date | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | XXXX | 000114 | Neg Am | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000114 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000129 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000129 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000129 | Doc Type | UTD | Reduced | |
| XXXX | XXXX | XXXX | XXXX | 000129 | Original CLTV | 0.63 | 62.75 | |
| XXXX | XXXX | XXXX | XXXX | 000129 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000129 | LTV Valuation Value | 255555.56 | 256572.00 | |
| XXXX | XXXX | XXXX | XXXX | 000129 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000123 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000123 | Amortization Term | 363 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000123 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000123 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000123 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000123 | Property Type | Multi (Blanket) | 2 Family | |
| XXXX | XXXX | XXXX | XXXX | 000123 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000123 | Refi Purpose | Rate/Term | ||
| XXXX | XXXX | XXXX | XXXX | 000126 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000126 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000125 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000125 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000125 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000127 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000127 | Coborrower Last Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000127 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000127 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000127 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000124 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000124 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000124 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000130 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000130 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000130 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000130 | Original Term | 300 | 180 | |
| XXXX | XXXX | XXXX | XXXX | 000130 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000130 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000130 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000130 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000130 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000130 | LTV Valuation Value | 76718.13 | 59000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000130 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000128 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000128 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000128 | LTV Valuation Value | 132619.05 | 134165.00 | |
| XXXX | XXXX | XXXX | 000246 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000246 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | XXXX | 000282 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000282 | Interest Only Period | 120 | ||
| XXXX | XXXX | XXXX | XXXX | 000282 | Doc Type | No Doc | No Ratio | |
| XXXX | XXXX | XXXX | XXXX | 000282 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000282 | Interest Rate Change Frequency | 6 | ||
| XXXX | XXXX | XXXX | XXXX | 000282 | Interest Rate Life Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000282 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000282 | First Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000282 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000282 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000282 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000282 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000270 | Original Term | 377 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000270 | Amortization Term | 329 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000270 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000270 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000270 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000270 | Prepayment Penalty | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000287 | Original Term | 367 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000287 | Amortization Term | 366 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000287 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000287 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000287 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000287 | Occupancy | UTD | Primary | |
| XXXX | XXXX | XXXX | XXXX | 000287 | Doc Type | UTD | Full | |
| XXXX | XXXX | XXXX | XXXX | 000287 | Original CLTV | 76.05 | 100 | |
| XXXX | XXXX | XXXX | XXXX | 000287 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000287 | Prepayment Penalty | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000287 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000277 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000277 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000277 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000277 | Purpose | UTD | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 000277 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000277 | Payment Adjustment Frequency Months | 6 | ||
| XXXX | XXXX | XXXX | XXXX | 000261 | Original CLTV | 0.95 | 95 | |
| XXXX | XXXX | XXXX | XXXX | 000261 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000261 | LTV Valuation Value | 240000.00 | 242000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000272 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000272 | Original Term | 363 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000272 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000272 | Occupancy | UTD | Primary | |
| XXXX | XXXX | XXXX | XXXX | 000272 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000272 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000266 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000266 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000266 | Original Term | 226 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000266 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000266 | Occupancy | UTD | Primary | |
| XXXX | XXXX | XXXX | XXXX | 000266 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000266 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000266 | LTV Valuation Value | 140000.00 | 127000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000288 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000288 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000288 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000288 | Original Term | 246 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000288 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000288 | Occupancy | UTD | Primary | |
| XXXX | XXXX | XXXX | XXXX | 000288 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000288 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000262 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000262 | Original Term | 569 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000262 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000262 | Occupancy | UTD | Primary | |
| XXXX | XXXX | XXXX | XXXX | 000262 | Purpose | UTD | Purchase | |
| XXXX | XXXX | XXXX | 000280 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000280 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | ||
| XXXX | XXXX | XXXX | 000280 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000280 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000280 | Coborrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | ||
| XXXX | XXXX | XXXX | 000280 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | 000280 | Borrower Middle Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | XXXX | 000259 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000259 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000259 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000276 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000284 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000284 | Original Term | 528 | 240 | |
| XXXX | XXXX | XXXX | XXXX | 000284 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000284 | Property Type | Mobile Home | Manufactured Housing | |
| XXXX | XXXX | XXXX | XXXX | 000284 | Purpose | Construction | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000264 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000264 | LTV Valuation Value | 179282.61 | 178500.00 | |
| XXXX | XXXX | XXXX | XXXX | 000290 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000290 | Margin | 20 | 3.25 | |
| XXXX | XXXX | XXXX | XXXX | 000290 | Interest Rate Life Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000290 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000290 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000290 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000291 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000291 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000291 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000291 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000291 | Margin | 20 | 2.5 | |
| XXXX | XXXX | XXXX | XXXX | 000291 | Interest Rate Change Frequency | 12 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000291 | Interest Rate Life Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000291 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000291 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000291 | Original CLTV | 79.44 | 71.17 | |
| XXXX | XXXX | XXXX | XXXX | 000291 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000291 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000291 | LTV Valuation Value | 1075000.00 | 1200000.00 | |
| XXXX | XXXX | XXXX | 000260 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000260 | Purpose | Construction-Permanent | Refinance | ||
| XXXX | XXXX | XXXX | 000263 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000263 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000263 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000247 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000247 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000247 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000247 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000247 | Original CLTV | 20 | 100 | ||
| XXXX | XXXX | XXXX | 000249 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000249 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000249 | Original CLTV | 19.79 | 100 | ||
| XXXX | XXXX | XXXX | XXXX | 000230 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000230 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000229 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000229 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000226 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000226 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000228 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000228 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000225 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000225 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000225 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000224 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000224 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000224 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000224 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000227 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000227 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000227 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000227 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000227 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000222 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000222 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000222 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000219 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000218 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000217 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000217 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000217 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000217 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000217 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000217 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000214 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000214 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000214 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000212 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000212 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000212 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000212 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000212 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000212 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000211 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000211 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000211 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000211 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000209 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000209 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000209 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000208 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000208 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000208 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000207 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000207 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000207 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000206 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000206 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000206 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000203 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000203 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000203 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000203 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000202 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000202 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000202 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000202 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000200 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000200 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000200 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000199 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000199 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000199 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000198 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000198 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000198 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000197 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000197 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000197 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000196 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000196 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000195 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000195 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000195 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000194 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000194 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000193 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000193 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000193 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000193 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000191 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000191 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000191 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000191 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000190 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000190 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000190 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000190 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000189 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000189 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000189 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000189 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000186 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000186 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000186 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000188 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000187 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000187 | # of Units | 2 | 3 | |
| XXXX | XXXX | XXXX | XXXX | 000187 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000187 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000239 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000239 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000239 | Interest Rate Change Frequency | 6 | ||
| XXXX | XXXX | XXXX | XXXX | 000239 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000239 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000239 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000239 | Interest Rate Initial Maximum | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000239 | Interest Rate Initial Minimum | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000239 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000183 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000183 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000183 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000180 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000180 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000181 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000181 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000178 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000178 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000178 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000177 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000177 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000177 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000177 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000177 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000174 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000174 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000174 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000237 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000237 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000237 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000237 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000175 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000175 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000175 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000175 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000175 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000176 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000176 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000176 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000176 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000238 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000238 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000238 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000172 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000172 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000172 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000172 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000235 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000235 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000235 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000236 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000236 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000236 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000236 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000236 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000171 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000171 | Margin | 2.25 | ||
| XXXX | XXXX | XXXX | XXXX | 000171 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000171 | Interest Rate Change Frequency | 12 | ||
| XXXX | XXXX | XXXX | XXXX | 000171 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000171 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000171 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000171 | Interest Rate Initial Maximum | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000171 | Interest Rate Initial Minimum | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000171 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000170 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000170 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000170 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000170 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000170 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000168 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000168 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000168 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000168 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000168 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000168 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000168 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000168 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000168 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000167 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000167 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000167 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000167 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000166 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000166 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000166 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000166 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000165 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000165 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000165 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000164 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000164 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000164 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000163 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000163 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000163 | Interest Rate Change Frequency | 12 | ||
| XXXX | XXXX | XXXX | XXXX | 000163 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000163 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000163 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000163 | Interest Rate Initial Maximum | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000163 | Interest Rate Initial Minimum | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000163 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000163 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000162 | Purpose | Refinance | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000162 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000162 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000162 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000162 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000161 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000161 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000161 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000158 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000158 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000158 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000158 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000158 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000158 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000158 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000160 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000160 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000160 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000159 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000159 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000159 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000159 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000159 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000233 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000233 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000233 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000233 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000233 | Payment Adjustment Frequency Months | 12 | ||
| XXXX | XXXX | XXXX | XXXX | 000233 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000157 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000157 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000157 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000157 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000156 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000155 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000155 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000155 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000155 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000155 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000155 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000155 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000154 | Occupancy | Investment | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000154 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000154 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000154 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000154 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000153 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000153 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000153 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000153 | Interest Rate Initial Maximum | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000153 | Interest Rate Initial Minimum | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000153 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000153 | Payment Adjustment Frequency Months | 12 | ||
| XXXX | XXXX | XXXX | XXXX | 000153 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000153 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000152 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000152 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000152 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000152 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000151 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000151 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000150 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000150 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000149 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000149 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000149 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000149 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000149 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000232 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000232 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000232 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000148 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000148 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000148 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000147 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000147 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000147 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000146 | Occupancy | Primary | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000146 | Purpose | Purchase | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000146 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000146 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000146 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000146 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000145 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000145 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000145 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000145 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000144 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000144 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000144 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000142 | Occupancy | Second Home | Investment | |
| XXXX | XXXX | XXXX | XXXX | 000142 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000142 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000142 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000141 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000141 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000141 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000141 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000139 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000139 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000139 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000139 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000223 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000223 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000223 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000223 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000223 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000216 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000216 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000216 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000216 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000215 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000215 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000215 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000215 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000215 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000215 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000210 | Occupancy | Primary | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000210 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000210 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000210 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000210 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000210 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000205 | Occupancy | Primary | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000205 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000205 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000205 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000205 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000205 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000201 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000201 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000201 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000201 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000201 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000201 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000185 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000185 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000185 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000185 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000185 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000185 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000185 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000184 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000184 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000184 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000184 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000184 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000240 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000240 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000240 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000240 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000240 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000240 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000240 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000182 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000182 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000179 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000179 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000179 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000173 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000173 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000173 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000173 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000173 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000173 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000169 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000169 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000169 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000169 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000234 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000234 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000192 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000192 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000192 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000192 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000143 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000143 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000143 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000143 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000140 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000140 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000140 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000071 | Property Type | Single Family Detached | ||
| XXXX | XXXX | XXXX | XXXX | 000071 | Occupancy | UTD | Primary | |
| XXXX | XXXX | XXXX | XXXX | 000071 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000071 | Original CLTV | 97 | 90 | |
| XXXX | XXXX | XXXX | XXXX | 000071 | Investor: Qualifying Housing Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000244 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000244 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000244 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000243 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000243 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000242 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000242 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000242 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000241 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000241 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000231 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000231 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000231 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000231 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000135 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000135 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000135 | LTV Valuation Value | 385948.00 | 390000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000137 | Amortization Term | 592 | 180 | |
| XXXX | XXXX | XXXX | XXXX | 000137 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000137 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000137 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000137 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000137 | LTV Valuation Value | 255814.00 | 257000.00 | |
| XXXX | XXXX | XXXX | 000138 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000138 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000138 | Margin | 3 | 2.75 | ||
| XXXX | XXXX | XXXX | 000138 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 000138 | Interest Rate Life Max | XX | XX | ||
| XXXX | XXXX | XXXX | 000138 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | XXXX | 000136 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000136 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000136 | Purpose | Purchase | ||
| XXXX | XXXX | XXXX | 000335 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000335 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000335 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 000335 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000335 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000336 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000336 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000336 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000336 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000336 | Purpose | Refinance | Purchase | ||
| XXXX | XXXX | XXXX | XXXX | 000337 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000337 | Original CLTV | 77 | ||
| XXXX | XXXX | XXXX | XXXX | 000337 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000337 | LTV Valuation Value | 324212.99 | ||
| XXXX | XXXX | XXXX | XXXX | 000339 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000339 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000339 | Borrower Qualifying FICO | 610 | ||
| XXXX | XXXX | XXXX | XXXX | 000339 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000339 | LTV Valuation Value | 301669.74 | 305000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000339 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000339 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000112 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000112 | Property Type | Single Family Detached | ||
| XXXX | XXXX | XXXX | XXXX | 000112 | Occupancy | UTD | Primary | |
| XXXX | XXXX | XXXX | XXXX | 000112 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000112 | LTV Valuation Value | 148913.04 | 150000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000112 | Investor: Qualifying Housing Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000341 | XXXX | Borrower First Name | XXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 000341 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000341 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000341 | XXXX | Property Type | Single Family | PUD |
| XXXX | XXXX | XXXX | XXXX | 000341 | XXXX | Contract Sales Price | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000341 | XXXX | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000341 | XXXX | Original PITI | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000340 | XXXX | Coborrower First Name | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000340 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000340 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000340 | XXXX | Original P&I | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000340 | XXXX | Contract Sales Price | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000340 | XXXX | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000343 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000343 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000343 | XXXX | Original P&I | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000343 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000343 | XXXX | PMI Company | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000343 | XXXX | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Original P&I | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Amortization Type | Fixed | ARM |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Property Type | Single Family | 2 Family |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Interest Only | 0 | |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Index Type | XXXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Margin | 3.65 | |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Interest Rate Change Frequency | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Interest Rate Life Min | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Interest Rate Life Max | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Interest Rate Periodic Floor | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Interest Rate Periodic Cap | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Contract Sales Price | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Interest Rate Initial Maximum | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Interest Rate Initial Minimum | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Payment Change Frequency | 12 | |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Maximum Balance % | 115 | |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000344 | XXXX | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX |
| XXXX | XXXX | XXXX | XXXX | 000358 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000358 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000358 | Original CLTV | 95 | 80 | |
| XXXX | XXXX | XXXX | XXXX | 000307 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000307 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000315 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000326 | Amortization Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000326 | Property Type | UTD | Condo (Low Rise) | |
| XXXX | XXXX | XXXX | XXXX | 000326 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000326 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000326 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000325 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000325 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000325 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000325 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000325 | Original CLTV | 83.82 | ||
| XXXX | XXXX | XXXX | XXXX | 000309 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000309 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000309 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000309 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000309 | Original CLTV | 95 | ||
| XXXX | XXXX | XXXX | XXXX | 000309 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000301 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000301 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000301 | Original CLTV | 90 | ||
| XXXX | XXXX | XXXX | XXXX | 000301 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000327 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000327 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000327 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000327 | Original CLTV | 80 | ||
| XXXX | XXXX | XXXX | XXXX | 000327 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000328 | Original CLTV | 64.17 | ||
| XXXX | XXXX | XXXX | XXXX | 000328 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000313 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000313 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000313 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000318 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000318 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000319 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000304 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000314 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000312 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000312 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000312 | Coborrower Last Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000312 | Coborrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000312 | Original CLTV | 58 | 56.12 | |
| XXXX | XXXX | XXXX | XXXX | 000312 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000312 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000317 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000317 | Coborrower Last Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000317 | Coborrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000317 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000324 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000324 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000324 | Original CLTV | 68 | ||
| XXXX | XXXX | XXXX | XXXX | 000324 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000324 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000330 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000330 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000321 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000321 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000321 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000321 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000308 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000308 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000308 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000308 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000311 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000331 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000331 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000331 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000331 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000331 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000333 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000333 | Original CLTV | 100 | 98.8 | |
| XXXX | XXXX | XXXX | XXXX | 000333 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000333 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000305 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000305 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000305 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000292 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000292 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000292 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000292 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000054 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000054 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000054 | Interest Rate Life Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000054 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000054 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000054 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000293 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000293 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000293 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000293 | Interest Rate Life Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000293 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000293 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000298 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000298 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000298 | Amortization Type | ARM | Fixed | |
| XXXX | XXXX | XXXX | XXXX | 000298 | Interest Rate Life Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000298 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000298 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000298 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000298 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000300 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000300 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000300 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000300 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000300 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000295 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000295 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000295 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000295 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000295 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000296 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000296 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000296 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000299 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000299 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000299 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000299 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000299 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000299 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000294 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000294 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000294 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000297 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000297 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000297 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000297 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000297 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000297 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000297 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000297 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000297 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000297 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000310 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000310 | Property Type | UTD | Condo (Low Rise) | |
| XXXX | XXXX | XXXX | XXXX | 000310 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000310 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000310 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000316 | Amortization Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000316 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000316 | Property Type | UTD | Single Family Detached | |
| XXXX | XXXX | XXXX | XXXX | 000316 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000316 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000316 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000303 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000303 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000303 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000303 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000303 | Margin | 0 | 2.375 | |
| XXXX | XXXX | XXXX | XXXX | 000303 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000303 | Interest Rate Initial Maximum | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000303 | Interest Rate Initial Minimum | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000303 | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000303 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000320 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000320 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000320 | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000332 | Amortization Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000332 | Property Type | UTD | Single Family Detached | |
| XXXX | XXXX | XXXX | XXXX | 000332 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000332 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000323 | Amortization Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000323 | Property Type | UTD | PUD | |
| XXXX | XXXX | XXXX | XXXX | 000323 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000323 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000323 | LTV Valuation Value | 260000.00 | 293000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000323 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000329 | Amortization Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000329 | Property Type | UTD | Single Family Detached | |
| XXXX | XXXX | XXXX | XXXX | 000329 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000329 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000329 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000356 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000356 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000356 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000355 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000352 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000352 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000353 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000353 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000353 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000353 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000350 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000350 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000350 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000350 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000096 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000096 | Occupancy | Primary | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000096 | Refi Purpose | Cash-out | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000096 | Original CLTV | 74 | ||
| XXXX | XXXX | XXXX | XXXX | 000096 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000096 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000096 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000096 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000059 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000059 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000059 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000088 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000088 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000088 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000349 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000349 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000349 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000346 | Original CLTV | 85 | 80 | |
| XXXX | XXXX | XXXX | XXXX | 000346 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000346 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000346 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000089 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000089 | Original CLTV | 70 | 63.66 | |
| XXXX | XXXX | XXXX | XXXX | 000089 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000089 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000089 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000089 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000348 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000354 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000354 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000354 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000345 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000345 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000345 | Original CLTV | 74 | 87.98 | |
| XXXX | XXXX | XXXX | XXXX | 000345 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000347 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000347 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000347 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000347 | Purpose | Refinance | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 000347 | Originator Application Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000347 | LTV Valuation Value | 269640.00 | 272000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000347 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000090 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000090 | Property Type | Single Family | PUD | |
| XXXX | XXXX | XXXX | XXXX | 000090 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000090 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000090 | Refi Purpose | Rate/Term | ||
| XXXX | XXXX | XXXX | XXXX | 000394 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000394 | Borrower Qualifying FICO | 668 | ||
| XXXX | XXXX | XXXX | XXXX | 000394 | LTV Valuation Value | 143333.33 | 144058.00 | |
| XXXX | XXXX | XXXX | XXXX | 000394 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000113 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000113 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000113 | Investor: Qualifying Housing Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000113 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000396 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000396 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000396 | Original CLTV | 64 | 48.55 | |
| XXXX | XXXX | XXXX | XXXX | 000390 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000390 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000390 | XXXX | Original P&I | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000390 | XXXX | PMI Company | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000390 | XXXX | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000385 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000385 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000385 | XXXX | Original P&I | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000385 | XXXX | Interest Only | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000385 | XXXX | Contract Sales Price | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000385 | XXXX | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000388 | XXXX | Borrower First Name | XXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 000388 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000388 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000388 | XXXX | Original P&I | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000388 | XXXX | PMI Company | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000397 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000397 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000397 | XXXX | Original P&I | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000397 | XXXX | PMI Company | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Borrower First Name | XXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Original P&I | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Amortization Type | Fixed | ARM |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Purpose | UTD | Purchase |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Margin | 2.25 | |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Interest Rate Change Frequency | 12 | |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Interest Rate Life Min | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Interest Rate Life Max | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Interest Rate Periodic Floor | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Interest Rate Periodic Cap | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Interest Rate Initial Maximum | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Interest Rate Initial Minimum | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Payment Change Frequency | 12 | |
| XXXX | XXXX | XXXX | XXXX | 000393 | XXXX | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000384 | XXXX | Borrower First Name | XXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 000384 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000384 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000384 | XXXX | Original P&I | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000384 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000384 | XXXX | Contract Sales Price | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000384 | XXXX | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000402 | XXXX | Borrower First Name | XXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 000402 | XXXX | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX |
| XXXX | XXXX | XXXX | XXXX | 000402 | XXXX | Coborrower First Name | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000402 | XXXX | Coborrower SSN | XXX-XX-XXXX | XXX-XX-XXXX |
| XXXX | XXXX | XXXX | XXXX | 000402 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000402 | XXXX | Contract Sales Price | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000402 | XXXX | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000402 | XXXX | Original PITI | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000391 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000391 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000391 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000391 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000391 | Coborrower Last Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000391 | Coborrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000391 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000391 | LTV Valuation Value | 179404.76 | 179603.00 | |
| XXXX | XXXX | XXXX | XXXX | 000391 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000400 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000400 | Property Type | PUD | ||
| XXXX | XXXX | XXXX | XXXX | 000400 | LTV Valuation Value | 111800.00 | 120000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000400 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000389 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000389 | LTV Valuation Value | 477611.94 | 485000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000389 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000389 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000399 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000395 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000395 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000395 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000395 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000395 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000395 | Occupancy | Primary | ||
| XXXX | XXXX | XXXX | XXXX | 000395 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | 000381 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000381 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000381 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | 000381 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000386 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000386 | LTV Valuation Value | 313000.00 | 490000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000409 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000409 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000409 | Margin | 2.25 | ||
| XXXX | XXXX | XXXX | XXXX | 000409 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000409 | Interest Rate Change Frequency | 12 | ||
| XXXX | XXXX | XXXX | XXXX | 000409 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000409 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000409 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000409 | Balloon Flag | 1 | 0 | |
| XXXX | XXXX | XXXX | XXXX | 000409 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000409 | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000409 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000409 | LTV Valuation Value | 620000.00 | 610000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000410 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000410 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000410 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000410 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000410 | LTV Valuation Value | 124755.00 | 190000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000412 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000412 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000412 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000412 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000412 | Doc Type | UTD | Full | |
| XXXX | XXXX | XXXX | XXXX | 000412 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000412 | Margin | 3.1 | ||
| XXXX | XXXX | XXXX | XXXX | 000412 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000412 | Interest Rate Change Frequency | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000412 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000412 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000412 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000412 | Refi Purpose | UTD | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 000412 | Balloon Flag | 1 | 0 | |
| XXXX | XXXX | XXXX | XXXX | 000412 | Maximum Balance % | 110 | ||
| XXXX | XXXX | XXXX | XXXX | 000412 | LTV Valuation Value | 180000.00 | 270000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000413 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000413 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000413 | Margin | 2.875 | ||
| XXXX | XXXX | XXXX | XXXX | 000413 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000413 | Interest Rate Change Frequency | 6 | ||
| XXXX | XXXX | XXXX | XXXX | 000413 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000413 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000413 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000413 | Refi Purpose | Rate/Term | ||
| XXXX | XXXX | XXXX | XXXX | 000413 | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000413 | LTV Valuation Value | 2200000.00 | 2432700.00 | |
| XXXX | XXXX | XXXX | XXXX | 000416 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000416 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000416 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000416 | Refi Purpose | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | XXXX | 000416 | Balloon Flag | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000418 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000418 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000418 | Purpose | UTD | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 000418 | Doc Type | UTD | SISA | |
| XXXX | XXXX | XXXX | XXXX | 000418 | Refi Purpose | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000418 | Balloon Flag | 1 | 0 | |
| XXXX | XXXX | XXXX | XXXX | 000418 | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000420 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000420 | Doc Type | UTD | Full | |
| XXXX | XXXX | XXXX | XXXX | 000420 | Refi Purpose | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | XXXX | 000420 | Balloon Flag | 1 | 0 | |
| XXXX | XXXX | XXXX | XXXX | 000421 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000421 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000421 | Occupancy | Primary | Investment | |
| XXXX | XXXX | XXXX | XXXX | 000421 | Doc Type | Stated | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000411 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000411 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000411 | Balloon Flag | 1 | 0 | |
| XXXX | XXXX | XXXX | XXXX | 000411 | LTV Valuation Value | 92000.00 | 95000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000414 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000414 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000414 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000414 | Property Type | Single Family | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000414 | Doc Type | UTD | Full | |
| XXXX | XXXX | XXXX | XXXX | 000414 | Refi Purpose | Cash-out | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 000414 | LTV Valuation Value | 85000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000414 | Borrower Full Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000422 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000422 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000422 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000422 | Property Type | Townhouse | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000422 | Occupancy | Primary | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000422 | Purpose | Refinance | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000422 | Doc Type | No Doc | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000422 | Refi Purpose | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000422 | Balloon Flag | 1 | 0 | |
| XXXX | XXXX | XXXX | XXXX | 000422 | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000422 | LTV Valuation Value | 270000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000415 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000415 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000415 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000415 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000415 | Doc Type | Stated | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000415 | Balloon Flag | 1 | 0 | |
| XXXX | XXXX | XXXX | XXXX | 000417 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000417 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000417 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000417 | Property Type | Single Family | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000417 | Doc Type | No Doc | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000417 | Refi Purpose | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000417 | LTV Valuation Value | 451613.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000419 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000419 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000419 | Property Type | Single Family | PUD | |
| XXXX | XXXX | XXXX | XXXX | 000419 | Doc Type | Reduced | NINA | |
| XXXX | XXXX | XXXX | XXXX | 000419 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000419 | Margin | 2.25 | ||
| XXXX | XXXX | XXXX | XXXX | 000419 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000419 | Interest Rate Change Frequency | 12 | ||
| XXXX | XXXX | XXXX | XXXX | 000419 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000419 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000419 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000419 | Balloon Flag | 1 | 0 | |
| XXXX | XXXX | XXXX | XXXX | 000419 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000419 | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000419 | LTV Valuation Value | 835000.00 | 800000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000433 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000433 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000433 | Property Type | Single Family | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000433 | Occupancy | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000433 | LTV Valuation Value | 85000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000368 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000368 | Doc Type | Full | Streamline | |
| XXXX | XXXX | XXXX | XXXX | 000371 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000371 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000371 | Property Type | Single Family Detached | PUD | |
| XXXX | XXXX | XXXX | XXXX | 000371 | Occupancy | Primary | ||
| XXXX | XXXX | XXXX | XXXX | 000371 | Doc Type | UTD | Full | |
| XXXX | XXXX | XXXX | XXXX | 000424 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000423 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000423 | Property Type | Single Family Detached | PUD | |
| XXXX | XXXX | XXXX | XXXX | 000423 | Original CLTV | 85 | 96.31 | |
| XXXX | XXXX | XXXX | XXXX | 000423 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000403 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000403 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000403 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000403 | Property Type | Condo (Low Rise) | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000403 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000403 | Original CLTV | 59.77 | ||
| XXXX | XXXX | XXXX | XXXX | 000403 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000403 | LTV Valuation Value | 334632.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000403 | Borrower Full Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000407 | Property Type | Single Family | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000407 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000407 | Original CLTV | 98.19 | 96.5 | |
| XXXX | XXXX | XXXX | XXXX | 000407 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000407 | LTV Valuation Value | 70000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000407 | Borrower Full Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000404 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000404 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000404 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000404 | Property Type | Single Family | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000404 | Occupancy | Investment | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000404 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000404 | Original CLTV | 87.72 | ||
| XXXX | XXXX | XXXX | XXXX | 000404 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000404 | LTV Valuation Value | 57000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000404 | Borrower Full Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000408 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000408 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000408 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000408 | Refi Purpose | Rate/Term | ||
| XXXX | XXXX | XXXX | XXXX | 000408 | Original CLTV | 0 | 80 | |
| XXXX | XXXX | XXXX | XXXX | 000408 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000408 | LTV Valuation Value | 0.00 | 75000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000408 | Borrower Full Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000405 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000405 | Borrower Full Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000405 | Coborrower Full Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | 000432 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000432 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000432 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000432 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000432 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000432 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000432 | Refi Purpose | UTD | |||
| XXXX | XXXX | XXXX | 000432 | Original CLTV | 99.55 | |||
| XXXX | XXXX | XXXX | 000432 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000440 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000440 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000440 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000440 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000440 | Refi Purpose | UTD | |||
| XXXX | XXXX | XXXX | 000440 | Original CLTV | 100 | |||
| XXXX | XXXX | XXXX | 000440 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | XXXX | 000427 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000427 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000427 | Original Term | 312 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000427 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000427 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000427 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 000429 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000429 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000431 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000431 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000431 | Original CLTV | 34 | 45.03 | |
| XXXX | XXXX | XXXX | XXXX | 000431 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000431 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000430 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000430 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000430 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000428 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000428 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000428 | Original CLTV | 79.96 | ||
| XXXX | XXXX | XXXX | XXXX | 000428 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000448 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000448 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000448 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000444 | Original CLTV | 90 | 88.97 | |
| XXXX | XXXX | XXXX | XXXX | 000444 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000444 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000444 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000444 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000444 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000446 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000446 | Refi Purpose | Cash-out | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000446 | Original CLTV | 90 | ||
| XXXX | XXXX | XXXX | XXXX | 000446 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000446 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000446 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000446 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000446 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000445 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000445 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000445 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000447 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000447 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000447 | Originator Application Date | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | XXXX | 000447 | Neg Am | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000447 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000465 | Original Term | 329 | 300 | |
| XXXX | XXXX | XXXX | XXXX | 000465 | Amortization Term | 329 | 300 | |
| XXXX | XXXX | XXXX | XXXX | 000465 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000465 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | 000468 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000468 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000468 | Refi Purpose | Rate/Term | Streamlined | ||
| XXXX | XXXX | XXXX | 000468 | Original CLTV | 97.87 | 90.64 | ||
| XXXX | XXXX | XXXX | 000468 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000468 | LTV Valuation Value | 235000.00 | 250000.00 | ||
| XXXX | XXXX | XXXX | 000459 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000459 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000459 | Amortization Type | ARM | Fixed | ||
| XXXX | XXXX | XXXX | 000459 | Margin | 11.08 | |||
| XXXX | XXXX | XXXX | 000459 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000459 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000459 | First Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | XXXX | 000460 | XXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000460 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000460 | XXXX | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000460 | XXXX | Original PITI | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000469 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000469 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000469 | XXXX | Original P&I | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000469 | XXXX | Purpose | UTD | Purchase |
| XXXX | XXXX | XXXX | XXXX | 000469 | XXXX | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000461 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000466 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000466 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000466 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000466 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000462 | Original CLTV | 86 | 79.82 | |
| XXXX | XXXX | XXXX | XXXX | 000462 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000462 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000462 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000462 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000463 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000463 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000463 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | 000372 | Property Type | PUD | |||
| XXXX | XXXX | XXXX | 000372 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 000372 | Interest Rate Life Max | XX | XX | ||
| XXXX | XXXX | XXXX | 000372 | Refi Purpose | Rate/Term | Cash-out - Other | ||
| XXXX | XXXX | XXXX | 000373 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | 000374 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000374 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000374 | Original CLTV | 95.85 | 103.02 | ||
| XXXX | XXXX | XXXX | 000374 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000375 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000375 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000375 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000375 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000375 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000375 | Margin | -0.5 | |||
| XXXX | XXXX | XXXX | 000375 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 000375 | Interest Rate Life Max | XX | XX | ||
| XXXX | XXXX | XXXX | 000375 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000375 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000375 | Original CLTV | 10.02 | 29.69 | ||
| XXXX | XXXX | XXXX | 000376 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000376 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 000376 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 000376 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000377 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000379 | Refi Purpose | Rate/Term | Cash-out - Other | ||
| XXXX | XXXX | XXXX | 000378 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000380 | Refi Purpose | Rate/Term | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000449 | XXXX | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX |
| XXXX | XXXX | XXXX | XXXX | 000449 | XXXX | Original Term | 361 | 360 |
| XXXX | XXXX | XXXX | XXXX | 000449 | XXXX | PMI Coverage % | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000453 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000453 | XXXX | Original P&I | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000453 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000453 | XXXX | PMI Company | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000453 | XXXX | PMI Coverage % | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | Original Term | 681 | 360 |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | Original P&I | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | Index Type | XXXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | Margin | 2.25 | |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | Interest Rate Change Frequency | 12 | |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | Interest Rate Life Min | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | Interest Rate Life Max | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | Interest Rate Periodic Floor | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | Interest Rate Periodic Cap | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | First Payment Change Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | Payment Change Frequency | 12 | |
| XXXX | XXXX | XXXX | XXXX | 000451 | XXXX | PMI Coverage % | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000457 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000455 | XXXX | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX |
| XXXX | XXXX | XXXX | XXXX | 000455 | XXXX | Original Term | 538 | 360 |
| XXXX | XXXX | XXXX | XXXX | 000455 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000455 | XXXX | Original P&I | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000454 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000458 | XXXX | Street | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000458 | XXXX | Occupancy | Primary | |
| XXXX | XXXX | XXXX | 000617 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000617 | Balloon Flag | 1 | 0 | ||
| XXXX | XXXX | XXXX | 000473 | # of Units | 1 | 2 | ||
| XXXX | XXXX | XXXX | 000245 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000245 | Purpose | UTD | Refinance | ||
| XXXX | XXXX | XXXX | 000245 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000245 | LTV Valuation Value | 0.00 | |||
| XXXX | XXXX | XXXX | 000494 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000494 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000494 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000494 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000494 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000494 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000498 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000498 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000498 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000498 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000498 | Refi Purpose | Cash-out - Debt Consolidation | |||
| XXXX | XXXX | XXXX | 000498 | Original CLTV | 87.53 | 75.43 | ||
| XXXX | XXXX | XXXX | 000498 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | XXXX | 000496 | XXXX | Amortization Type | Fixed | ARM |
| XXXX | XXXX | XXXX | XXXX | 000496 | XXXX | Index Type | XXXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 000496 | XXXX | Margin | 3 | |
| XXXX | XXXX | XXXX | XXXX | 000496 | XXXX | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000496 | XXXX | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000496 | XXXX | Interest Rate Change Frequency | 6 | |
| XXXX | XXXX | XXXX | XXXX | 000496 | XXXX | Interest Rate Life Min | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000496 | XXXX | Interest Rate Life Max | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000496 | XXXX | Interest Rate Periodic Cap | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000496 | XXXX | Next Payment Change Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000496 | XXXX | Payment Change Frequency | 6 | |
| XXXX | XXXX | XXXX | XXXX | 000500 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000500 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000499 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000499 | Lien Position | 2 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000499 | Original CLTV | 97.04 | 95.61 | |
| XXXX | XXXX | XXXX | XXXX | 000499 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000507 | Interest Rate Life Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000507 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000507 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000507 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000507 | Original CLTV | 98.05 | 100 | |
| XXXX | XXXX | XXXX | XXXX | 000507 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000507 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000507 | Payment Change Frequency | 6 | ||
| XXXX | XXXX | XXXX | XXXX | 000507 | LTV Valuation Value | 205000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000507 | Property Type | Single Family | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000507 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000507 | Margin | 6.75 | ||
| XXXX | XXXX | XXXX | XXXX | 000507 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000507 | Interest Rate Change Frequency | 6 | ||
| XXXX | XXXX | XXXX | XXXX | 000514 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000514 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000514 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000514 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000514 | Original CLTV | 85 | 75.21 | |
| XXXX | XXXX | XXXX | XXXX | 000514 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000514 | LTV Valuation Value | 73000.00 | 82500.00 | |
| XXXX | XXXX | XXXX | XXXX | 000518 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000518 | Coborrower Last Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000518 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000518 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000518 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000518 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000518 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000028 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000028 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000028 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000028 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000028 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000028 | Balloon Flag | 1 | 0 | |
| XXXX | XXXX | XXXX | XXXX | 000029 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 000029 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000029 | Refi Purpose | Cash-out | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 000029 | LTV Valuation Value | 86250.00 | 90000.00 | |
| XXXX | XXXX | XXXX | 000472 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000472 | Doc Type | Alt | Full | ||
| XXXX | XXXX | XXXX | XXXX | 000477 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000485 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000493 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000489 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000487 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000484 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000483 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000480 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000480 | Property Type | Single Family Detached | ||
| XXXX | XXXX | XXXX | XXXX | 000569 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000569 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000569 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000569 | # of Units | 2 | ||
| XXXX | XXXX | XXXX | XXXX | 000254 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000254 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000254 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000254 | Original Term | 569 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000254 | Amortization Term | 563 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000254 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000254 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000254 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000254 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000254 | Occupancy | UTD | Primary | |
| XXXX | XXXX | XXXX | XXXX | 000254 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000254 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000254 | Prepayment Penalty | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000254 | Borrower Suffix | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000255 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000255 | Purpose | Refinance | ||
| XXXX | XXXX | XXXX | XXXX | 000252 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000251 | Original Term | 546 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000251 | Original CLTV | 96.68 | 100 | |
| XXXX | XXXX | XXXX | XXXX | 000251 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000580 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000580 | Doc Type | Full | Stated | |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Amortization Type | Fixed | ARM |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Interest Only | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Interest Only Period | 60 | |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Occupancy | Primary | |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Purpose | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Doc Type | Full | |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Index Type | XXXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Margin | 6 | |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Interest Rate Change Frequency | 6 | |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Interest Rate Life Min | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Interest Rate Life Max | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Interest Rate Life Cap | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Interest Rate Periodic Floor | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Interest Rate Periodic Cap | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Refi Purpose | Streamlined | |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000582 | XXXX | Interest Rate Life Floor | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000555 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000555 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000547 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000547 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000547 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000546 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000546 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000546 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000549 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000548 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000548 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000548 | Occupancy | Second Home | Investment | |
| XXXX | XXXX | XXXX | XXXX | 000548 | Margin | 0.0225 | 2.25 | |
| XXXX | XXXX | XXXX | XXXX | 000548 | LTV Valuation Value | 144375.00 | 145000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000550 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000550 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000550 | LTV Valuation Value | 106500.00 | 107000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000550 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000545 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000545 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000557 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000560 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000560 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000560 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000565 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000565 | Purpose | Purchase | ||
| XXXX | XXXX | XXXX | XXXX | 000565 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000565 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 000565 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000566 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000566 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000566 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 000566 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000575 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000575 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000575 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000575 | Property Type | PUD | PUD Attached | |
| XXXX | XXXX | XXXX | XXXX | 000572 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000572 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000572 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000572 | Amortization Type | Fixed | ||
| XXXX | XXXX | XXXX | XXXX | 000572 | Interest Only | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000572 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000572 | Doc Type | Full | ||
| XXXX | XXXX | XXXX | XXXX | 000572 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000572 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000572 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000572 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000572 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000572 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000572 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000572 | Prepayment Penalty | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000572 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000574 | Margin | 3.45 | ||
| XXXX | XXXX | XXXX | XXXX | 000574 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000574 | First Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000576 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000576 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000576 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000576 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000576 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000578 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000578 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000578 | Margin | 0 | 5.95 | |
| XXXX | XXXX | XXXX | XXXX | 000578 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000578 | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000578 | Interest Rate Change Frequency | 99 | 6 | |
| XXXX | XXXX | XXXX | XXXX | 000578 | Interest Rate Life Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000578 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000578 | First Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000578 | Next Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000578 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000577 | XXXX | Original Loan Amount | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000577 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000577 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000577 | XXXX | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX |
| XXXX | XXXX | XXXX | XXXX | 000581 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000581 | Original CLTV | 80 | 95 | |
| XXXX | XXXX | XXXX | XXXX | 000523 | Original Term | 521 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000523 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000523 | Purpose | Construction-Permanent | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000523 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | 000584 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000584 | Original CLTV | 100.32 | |||
| XXXX | XXXX | XXXX | 000584 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000584 | Origination Company Name | XXXX | |||
| XXXX | XXXX | XXXX | XXXX | 000528 | Original Term | 658 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000528 | Amortization Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000528 | Doc Type | Alt | ||
| XXXX | XXXX | XXXX | XXXX | 000528 | Refi Purpose | Rate/Term | ||
| XXXX | XXXX | XXXX | XXXX | 000528 | Original CLTV | 77.44 | 90 | |
| XXXX | XXXX | XXXX | XXXX | 000531 | Property Type | Single Family Detached | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000531 | Purpose | Refinance | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000531 | Doc Type | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000531 | Refi Purpose | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000531 | Original CLTV | 36.54 | ||
| XXXX | XXXX | XXXX | XXXX | 000531 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000531 | LTV Valuation Value | 680000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000531 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000539 | Doc Type | Full | ||
| XXXX | XXXX | XXXX | XXXX | 000539 | Original CLTV | 81.36 | 85 | |
| XXXX | XXXX | XXXX | XXXX | 000539 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000539 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000539 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000539 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000539 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | 000585 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000585 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000585 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000585 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000585 | LTV Valuation Value | 150000.00 | |||
| XXXX | XXXX | XXXX | XXXX | 000586 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000586 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000586 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000552 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000552 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000527 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000527 | Original Term | 651 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000527 | Amortization Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000527 | Doc Type | Reduced | ||
| XXXX | XXXX | XXXX | XXXX | 000527 | Original CLTV | 92.58 | 95 | |
| XXXX | XXXX | XXXX | XXXX | 000527 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000527 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000527 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000532 | Doc Type | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000532 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000532 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000532 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000533 | Coborrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000533 | Original Term | 549 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000533 | Amortization Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000533 | Doc Type | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000533 | Refi Purpose | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | XXXX | 000533 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000533 | Coborrower Middle Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000533 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000536 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000536 | Original Term | 519 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000536 | Amortization Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000536 | Doc Type | Fastrack | ||
| XXXX | XXXX | XXXX | XXXX | 000536 | Refi Purpose | Rate/Term | ||
| XXXX | XXXX | XXXX | XXXX | 000536 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000538 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000538 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000538 | LTV Valuation Value | 148863.64 | 150063.00 | |
| XXXX | XXXX | XXXX | XXXX | 000007 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000007 | Original Term | 505 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000007 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000007 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000007 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | 000338 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000338 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000338 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000338 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 000338 | Margin | 2.25 | |||
| XXXX | XXXX | XXXX | 000338 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000338 | Interest Rate Change Frequency | 12 | |||
| XXXX | XXXX | XXXX | 000338 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000338 | First Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000338 | Original Interest Rate Period | 60 | |||
| XXXX | XXXX | XXXX | 000338 | LTV Valuation Value | 210000.00 | 212000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000342 | LTV Valuation Value | 334375.00 | 336000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000342 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000342 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000387 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000387 | Property Type | PUD | ||
| XXXX | XXXX | XXXX | XXXX | 000387 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000387 | LTV Valuation Value | 79950.00 | 80000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000387 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000387 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000370 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000370 | Original Term | 432 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000370 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000370 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000370 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000425 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000425 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000425 | Coborrower Last Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000425 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000425 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000425 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000425 | Original CLTV | 94.49 | ||
| XXXX | XXXX | XXXX | XXXX | 000425 | LTV Valuation Value | 195000.00 | ||
| XXXX | XXXX | XXXX | 000426 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000426 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000426 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000426 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000426 | Property Type | Single Family Attached | Single Family Detached | ||
| XXXX | XXXX | XXXX | 000426 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000443 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000443 | Margin | 2.225 | 2.25 | ||
| XXXX | XXXX | XXXX | 000443 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000443 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 000443 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | XXXX | 000442 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000442 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000471 | Balloon Flag | 1 | 0 | |
| XXXX | XXXX | XXXX | XXXX | 000471 | Original CLTV | 80 | 100 | |
| XXXX | XXXX | XXXX | XXXX | 000452 | XXXX | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX |
| XXXX | XXXX | XXXX | XXXX | 000452 | XXXX | Original Term | 568 | 156 |
| XXXX | XXXX | XXXX | XXXX | 000452 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000452 | XXXX | Original P&I | XXXX.XX | XXXX.XX |
| XXXX | XXXX | XXXX | XXXX | 000452 | XXXX | PMI Coverage % | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000450 | XXXX | Zip | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000450 | XXXX | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX |
| XXXX | XXXX | XXXX | XXXX | 000450 | XXXX | Original Term | 361 | 360 |
| XXXX | XXXX | XXXX | XXXX | 000450 | XXXX | PMI Coverage % | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000456 | XXXX | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX |
| XXXX | XXXX | XXXX | XXXX | 000456 | XXXX | Original Term | 361 | 360 |
| XXXX | XXXX | XXXX | XXXX | 000456 | XXXX | PMI Coverage % | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000495 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000050 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000050 | Occupancy | Primary | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000050 | Refi Purpose | Rate/Term | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000050 | LTV Valuation Value | 172979.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000501 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000501 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000501 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000501 | Property Type | Single Family | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000501 | Original CLTV | 72 | ||
| XXXX | XXXX | XXXX | XXXX | 000501 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000502 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000502 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000502 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000502 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000502 | Property Type | Single Family | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000502 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000502 | Original CLTV | 27 | ||
| XXXX | XXXX | XXXX | XXXX | 000502 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000512 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000512 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000512 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000512 | Property Type | Single Family Detached | ||
| XXXX | XXXX | XXXX | XXXX | 000512 | Occupancy | Primary | ||
| XXXX | XXXX | XXXX | XXXX | 000512 | Purpose | Refinance | ||
| XXXX | XXXX | XXXX | XXXX | 000512 | Original CLTV | 200 | 85 | |
| XXXX | XXXX | XXXX | XXXX | 000512 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000512 | LTV Valuation Value | 85000.00 | 200000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000279 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000279 | Refi Purpose | Cash-out | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000279 | Original CLTV | 80.97 | ||
| XXXX | XXXX | XXXX | XXXX | 000279 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000279 | LTV Valuation Value | 70000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000520 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000520 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000520 | Original CLTV | 72.03 | ||
| XXXX | XXXX | XXXX | XXXX | 000520 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000520 | LTV Valuation Value | 113000.00 | 236000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000250 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000250 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000524 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000524 | Original Term | 583 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000524 | Amortization Term | 480 | ||
| XXXX | XXXX | XXXX | XXXX | 000524 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000524 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000524 | Prepayment Penalty | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000524 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000524 | Coborrower Middle Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000256 | Doc Type | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000256 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000521 | Original Term | 486 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000521 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000521 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000521 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000521 | Original CLTV | 96.4 | 84.69 | |
| XXXX | XXXX | XXXX | XXXX | 000521 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000544 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000544 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000544 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000544 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000553 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000553 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000558 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000558 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000558 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000558 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000563 | Original Term | 418 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000563 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000563 | Property Type | Single Family | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000563 | Occupancy | Primary | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000563 | Margin | 5.49 | ||
| XXXX | XXXX | XXXX | XXXX | 000563 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000563 | Interest Rate Life Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000563 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000563 | First Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000563 | Lookback Period | First business day of previous month | ||
| XXXX | XXXX | XXXX | XXXX | 000563 | Rounding Factor | 0.125 | ||
| XXXX | XXXX | XXXX | XXXX | 000563 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000563 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000563 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000563 | Original CLTV | 84.4 | ||
| XXXX | XXXX | XXXX | XXXX | 000563 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000563 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000563 | LTV Valuation Value | 109000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000571 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000571 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000571 | Original Term | 300 | ||
| XXXX | XXXX | XXXX | XXXX | 000571 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000571 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000571 | Property Type | Single Family | ||
| XXXX | XXXX | XXXX | XXXX | 000571 | Occupancy | Primary | ||
| XXXX | XXXX | XXXX | XXXX | 000571 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000542 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000542 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000542 | Occupancy | Primary | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000542 | Doc Type | No Doc | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000542 | Refi Purpose | Cash-out - Other | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000542 | Original CLTV | 111.71 | ||
| XXXX | XXXX | XXXX | XXXX | 000542 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000542 | LTV Valuation Value | 264000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000573 | Original Term | 502 | 480 | |
| XXXX | XXXX | XXXX | XXXX | 000573 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000568 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000568 | Original Term | 575 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000568 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000568 | Balloon Flag | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000568 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000579 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000579 | Original Term | 312 | 310 | |
| XXXX | XXXX | XXXX | XXXX | 000579 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000579 | Purpose | Refinance | ||
| XXXX | XXXX | XXXX | XXXX | 000579 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000579 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000579 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000525 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000525 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000525 | Original Term | 479 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000525 | Amortization Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000525 | Property Type | Single Family Detached | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000525 | Occupancy | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000525 | Purpose | Purchase | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000525 | Doc Type | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000525 | Refi Purpose | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000525 | Original CLTV | 80 | ||
| XXXX | XXXX | XXXX | XXXX | 000525 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000525 | LTV Valuation Value | 94000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000530 | Property Type | Single Family Detached | PUD | |
| XXXX | XXXX | XXXX | XXXX | 000530 | Doc Type | Full | ||
| XXXX | XXXX | XXXX | XXXX | 000530 | Refi Purpose | Rate/Term | ||
| XXXX | XXXX | XXXX | XXXX | 000530 | Original CLTV | 100 | 77.36 | |
| XXXX | XXXX | XXXX | XXXX | 000530 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000530 | LTV Valuation Value | 126100.00 | 163000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000530 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000534 | Doc Type | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000534 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000534 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000534 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000535 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000535 | Original Term | 360 | ||
| XXXX | XXXX | XXXX | XXXX | 000535 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000535 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000535 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000537 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000537 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000537 | Doc Type | Full | ||
| XXXX | XXXX | XXXX | XXXX | 000537 | Refi Purpose | Rate/Term | ||
| XXXX | XXXX | XXXX | XXXX | 000537 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000529 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000529 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000529 | Interest Only | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000529 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000529 | Originator Application Date | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | XXXX | 000529 | Neg Am | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000529 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000526 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000526 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000590 | Property Type | Single Family Detached | PUD Attached | |
| XXXX | XXXX | XXXX | XXXX | 000589 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000589 | Original CLTV | 45.46 | 51.88 | |
| XXXX | XXXX | XXXX | XXXX | 000589 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000591 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000591 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000591 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000591 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000591 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000591 | Original CLTV | 80 | ||
| XXXX | XXXX | XXXX | XXXX | 000591 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000587 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000587 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000587 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000588 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000588 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000588 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000588 | Property Type | Single Family Detached | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000588 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000588 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000588 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 000600 | Property Type | Single Family Detached | PUD | |
| XXXX | XXXX | XXXX | 000610 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000610 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000610 | State | XX | |||
| XXXX | XXXX | XXXX | 000610 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000610 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000610 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000610 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000610 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000610 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000610 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000610 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | XXXX | 000611 | XXXX | Original Term | 555 | 360 |
| XXXX | XXXX | XXXX | XXXX | 000611 | XXXX | Amortization Term | 555 | 360 |
| XXXX | XXXX | XXXX | XXXX | 000611 | XXXX | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X |
| XXXX | XXXX | XXXX | 000624 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000624 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000624 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000624 | Lien Position | 2 | |||
| XXXX | XXXX | XXXX | 000624 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000624 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000624 | Margin | 3.88 | |||
| XXXX | XXXX | XXXX | 000624 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000624 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000613 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000613 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000613 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000613 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000613 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000613 | Margin | 7 | |||
| XXXX | XXXX | XXXX | 000613 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000613 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000615 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000615 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000615 | Purpose | Purchase | Refinance | ||
| XXXX | XXXX | XXXX | 000615 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000615 | Margin | 4.813 | |||
| XXXX | XXXX | XXXX | 000615 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000615 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000615 | Refi Purpose | Cash-out - Debt Consolidation | |||
| XXXX | XXXX | XXXX | 000615 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000615 | LTV Valuation Value | 341858.00 | 448000.00 | ||
| XXXX | XXXX | XXXX | 000616 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000616 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000616 | Purpose | Purchase | Refinance | ||
| XXXX | XXXX | XXXX | 000616 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 000616 | Refi Purpose | Cash-out - Debt Consolidation | |||
| XXXX | XXXX | XXXX | 000616 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000616 | LTV Valuation Value | 437320.00 | 565000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000619 | Purpose | UTD | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 000618 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000618 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000618 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000618 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000618 | Doc Type | No Doc | Full | |
| XXXX | XXXX | XXXX | XXXX | 000618 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000618 | Margin | 3.785 | ||
| XXXX | XXXX | XXXX | XXXX | 000618 | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000618 | Interest Rate Change Frequency | 6 | ||
| XXXX | XXXX | XXXX | XXXX | 000618 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000618 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000618 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000618 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | 000621 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000621 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000621 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 000622 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000622 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000622 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 000623 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000623 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000623 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000623 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000623 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 000623 | Purpose | Purchase | Refinance | ||
| XXXX | XXXX | XXXX | 000623 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 000623 | Refi Purpose | Rate/Term | |||
| XXXX | XXXX | XXXX | 000623 | LTV Valuation Value | 65000.00 | |||
| XXXX | XXXX | XXXX | 000625 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000625 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000625 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 000620 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000620 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000620 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 000637 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000637 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | XXXX | 000628 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000628 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000628 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000628 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000628 | Interest Only Period Expiration Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000628 | Original PITI | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000629 | LTV Valuation Value | 93292.68 | 93822.00 | |
| XXXX | XXXX | XXXX | 000627 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000627 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000627 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 000627 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000627 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000627 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000627 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000627 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000008 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000008 | Original Term | 233 | 181 | ||
| XXXX | XXXX | XXXX | 000008 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000008 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000008 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | XXXX | 000631 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000631 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000631 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | 000632 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000632 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000632 | State | XX | |||
| XXXX | XXXX | XXXX | 000632 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000632 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000632 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000632 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000632 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000632 | Amortization Type | ARM | |||
| XXXX | XXXX | XXXX | 000632 | Occupancy | Primary | |||
| XXXX | XXXX | XXXX | 000632 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000632 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000632 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000632 | Margin | 3.5 | |||
| XXXX | XXXX | XXXX | 000632 | Interest Rate Change Frequency | 12 | |||
| XXXX | XXXX | XXXX | 000632 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000632 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000633 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000633 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | XXXX | 000636 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000636 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000636 | Doc Type | Full | ||
| XXXX | XXXX | XXXX | XXXX | 000636 | LTV Valuation Value | 142000.00 | 145300.00 | |
| XXXX | XXXX | XXXX | 000634 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000634 | Mod Deferred Balance | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | XXXX | 000649 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000649 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000649 | Original CLTV | 54 | ||
| XXXX | XXXX | XXXX | XXXX | 000649 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000650 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000650 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000650 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000650 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000642 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000642 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000642 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000652 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000652 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000652 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000652 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000651 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000651 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000654 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000654 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000643 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000643 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000656 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000656 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000655 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000655 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000668 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000668 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000648 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000648 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000653 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000653 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000653 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000646 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000646 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000646 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000646 | Coborrower Last Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000646 | Coborrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000646 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000646 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000657 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000657 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000657 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000645 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000645 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000647 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000647 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000647 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000641 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000641 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000641 | Original CLTV | 50.15 | ||
| XXXX | XXXX | XXXX | XXXX | 000641 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | 000667 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000667 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000667 | Purpose | Purchase | |||
| XXXX | XXXX | XXXX | 000667 | LTV Valuation Value | 62204.00 | 78500.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000663 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000663 | Purpose | Refinance | ||
| XXXX | XXXX | XXXX | XXXX | 000663 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000663 | LTV Valuation Value | 456606.00 | 360000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000664 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000664 | Purpose | Refinance | ||
| XXXX | XXXX | XXXX | XXXX | 000664 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000664 | Margin | 0.028 | 2.75 | |
| XXXX | XXXX | XXXX | XXXX | 000664 | Interest Rate Change Frequency | 6 | 12 | |
| XXXX | XXXX | XXXX | XXXX | 000664 | Interest Rate Life Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000664 | Refi Purpose | Rate/Term | ||
| XXXX | XXXX | XXXX | XXXX | 000664 | LTV Valuation Value | 454114.00 | 285000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000665 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000665 | Occupancy | Primary | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000665 | Purpose | Purchase | ||
| XXXX | XXXX | XXXX | XXXX | 000665 | LTV Valuation Value | 238695.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000666 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000666 | Coborrower Last Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000666 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000666 | Occupancy | Primary | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000666 | Purpose | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000666 | Refi Purpose | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000666 | LTV Valuation Value | 136000.00 | ||
| XXXX | XXXX | XXXX | 000671 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000671 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000671 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 000004 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000004 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000004 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000004 | Doc Type | Reduced | UTD | ||
| XXXX | XXXX | XXXX | 000004 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000004 | Margin | 3.025 | |||
| XXXX | XXXX | XXXX | 000004 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000004 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000004 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 000004 | Interest Rate Life Max | XX | XX | ||
| XXXX | XXXX | XXXX | 000004 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000004 | Interest Rate Initial Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000004 | Neg Am | 0 | 1 | ||
| XXXX | XXXX | XXXX | 000669 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000669 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000669 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000669 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000669 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 000669 | Refi Purpose | UTD | |||
| XXXX | XXXX | XXXX | 000669 | Balloon Flag | 1 | 0 | ||
| XXXX | XXXX | XXXX | 000662 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000662 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000662 | Doc Type | No Doc | Full | ||
| XXXX | XXXX | XXXX | 000662 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 000662 | Balloon Flag | 1 | 0 | ||
| XXXX | XXXX | XXXX | 000670 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000670 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | 000013 | Property Type | Single Family | PUD | |||
| XXXX | XXXX | 000033 | Property Type | Single Family | PUD Attached | |||
| XXXX | XXXX | XXXX | 000681 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000674 | Original Term | 453 | 293 | ||
| XXXX | XXXX | XXXX | 000674 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000674 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000674 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000674 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 000674 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 000674 | Interest Rate Life Max | XX | XX | ||
| XXXX | XXXX | XXXX | 000674 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000674 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000674 | Rounding Factor | 0.000 | |||
| XXXX | XXXX | XXXX | 000674 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000674 | Maximum Balance % | 0 | |||
| XXXX | XXXX | XXXX | 000674 | LTV Valuation Value | 135000.00 | |||
| XXXX | XXXX | XXXX | 000674 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | ||
| XXXX | XXXX | XXXX | XXXX | 000680 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000680 | Coborrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000680 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000680 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000677 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000677 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000677 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000677 | Margin | 0 | 2.25 | |
| XXXX | XXXX | XXXX | XXXX | 000677 | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000677 | Mortgage Type | Conventional without MI | ||
| XXXX | XXXX | XXXX | XXXX | 000677 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000678 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000678 | Mortgage Type | FHA | ||
| XXXX | XXXX | XXXX | XXXX | 000678 | Original CLTV | 99.21 | 97.75 | |
| XXXX | XXXX | XXXX | XXXX | 000678 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000675 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000675 | Property Type | Single Family | Condo (Low Rise) | |
| XXXX | XXXX | XXXX | XXXX | 000675 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000675 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000675 | LTV Valuation Value | 218000.00 | 210000.00 | |
| XXXX | XXXX | XXXX | 000715 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000715 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000715 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000715 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 000716 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000716 | Interest Only | 1 | |||
| XXXX | XXXX | XXXX | 000716 | Occupancy | Investment | Primary | ||
| XXXX | XXXX | XXXX | 000716 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000716 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000716 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000716 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000716 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000716 | # of Units | 2 | |||
| XXXX | XXXX | XXXX | 000716 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000716 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000716 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000717 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000717 | Interest Only | 0 | |||
| XXXX | XXXX | XXXX | 000717 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000717 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000717 | Margin | 3.2 | |||
| XXXX | XXXX | XXXX | 000717 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000717 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000717 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000717 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000717 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 000717 | Payment Adjustment Frequency Months | 12 | |||
| XXXX | XXXX | XXXX | 000718 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000718 | Interest Only | 0 | |||
| XXXX | XXXX | XXXX | 000718 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000718 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000718 | Margin | 3 | |||
| XXXX | XXXX | XXXX | 000718 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000718 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000718 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000718 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000718 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 000718 | Payment Adjustment Frequency Months | 12 | |||
| XXXX | XXXX | XXXX | 000719 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000719 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000719 | Interest Only | 0 | 1 | ||
| XXXX | XXXX | XXXX | 000719 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000719 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000719 | Margin | 2.25 | |||
| XXXX | XXXX | XXXX | 000719 | Interest Rate Change Frequency | 12 | |||
| XXXX | XXXX | XXXX | 000719 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000719 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000719 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000719 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 000720 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000720 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000720 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000720 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000720 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000720 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000720 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000720 | Margin | -0.1 | 0.02095 | ||
| XXXX | XXXX | XXXX | 000720 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000720 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000720 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000720 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000720 | Payment Adjustment Frequency Months | 1 | |||
| XXXX | XXXX | XXXX | 000595 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000595 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000595 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000595 | Purpose | Purchase | |||
| XXXX | XXXX | XXXX | 000595 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000595 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 000595 | Interest Rate Change Frequency | 60 | |||
| XXXX | XXXX | XXXX | 000595 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000595 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000595 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000595 | Original CLTV | 19.99 | 99.98844 | ||
| XXXX | XXXX | XXXX | 000596 | Occupancy | Primary | UTD | ||
| XXXX | XXXX | XXXX | 000596 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000596 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000596 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 000596 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000596 | Original CLTV | 10 | |||
| XXXX | XXXX | XXXX | 000596 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000713 | Amortization Term | 360 | |||
| XXXX | XXXX | XXXX | 000713 | Balloon Flag | 0 | |||
| XXXX | XXXX | XXXX | 000713 | Original CLTV | 80 | |||
| XXXX | XXXX | XXXX | 000742 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000742 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000742 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000742 | Margin | 4.6 | |||
| XXXX | XXXX | XXXX | 000742 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000742 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000742 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000742 | Balloon Flag | 0 | 1 | ||
| XXXX | XXXX | XXXX | 000742 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000736 | Original Term | 545 | 360 | ||
| XXXX | XXXX | XXXX | 000736 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000736 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000736 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000739 | Original Term | 518 | 360 | ||
| XXXX | XXXX | XXXX | 000739 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000739 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000739 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000739 | Occupancy | Primary | UTD | ||
| XXXX | XXXX | XXXX | 000739 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | XXXX | 000740 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000740 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000740 | Original Term | 424 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000740 | Amortization Term | 296 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000740 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000740 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000740 | Occupancy | Second Home | Primary | |
| XXXX | XXXX | XXXX | XXXX | 000740 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000740 | Interest Collection Type | In Arrears | Daily Simple | |
| XXXX | XXXX | XXXX | XXXX | 000740 | Prepayment Penalty | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000740 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000740 | Coborrower Middle Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000741 | Amortization Term | 254 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000741 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000741 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000741 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000741 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000741 | Margin | 7.375 | ||
| XXXX | XXXX | XXXX | XXXX | 000741 | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000741 | Interest Rate Change Frequency | 6 | ||
| XXXX | XXXX | XXXX | XXXX | 000741 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000741 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000741 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000741 | Prepayment Penalty | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000741 | Payment Change Frequency | 6 | ||
| XXXX | XXXX | XXXX | XXXX | 000741 | LTV Valuation Value | 85000.00 | 86000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000744 | Original CLTV | 0.72 | 71.2 | |
| XXXX | XXXX | XXXX | XXXX | 000744 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000744 | LTV Valuation Value | 247222.22 | 250000.00 | |
| XXXX | XXXX | XXXX | 000732 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000732 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000732 | Interest Only | 1 | |||
| XXXX | XXXX | XXXX | 000732 | Interest Only Period | 60 | |||
| XXXX | XXXX | XXXX | 000732 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000732 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000732 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000732 | First Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000732 | Interest Collection Type | In Arrears | |||
| XXXX | XXXX | XXXX | 000732 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000732 | Refi Purpose | Rate/Term | |||
| XXXX | XXXX | XXXX | 000732 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000732 | LTV Valuation Value | 125000.00 | 126000.00 | ||
| XXXX | XXXX | XXXX | 000729 | Purpose | Purchase | |||
| XXXX | XXXX | XXXX | 000729 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000722 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000723 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000723 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000723 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000723 | Margin | 8.4 | |||
| XXXX | XXXX | XXXX | 000723 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000723 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000724 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000724 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000724 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000724 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000724 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000724 | Margin | 3.091 | |||
| XXXX | XXXX | XXXX | 000724 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000724 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000724 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000725 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000725 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000725 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000725 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000725 | Margin | 2.85 | |||
| XXXX | XXXX | XXXX | 000725 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000725 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000726 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000726 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000726 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000726 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000726 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000727 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000727 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000727 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000730 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000730 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000731 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000731 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000731 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000733 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000733 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000733 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000733 | Margin | 7.1 | |||
| XXXX | XXXX | XXXX | 000733 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000733 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000733 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000734 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000734 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000734 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000734 | Purpose | Purchase | Refinance | ||
| XXXX | XXXX | XXXX | 000734 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000728 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000728 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000728 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000728 | Lien Position | 1 | 2 | ||
| XXXX | XXXX | XXXX | 000728 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000728 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000735 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000735 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000679 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000679 | Borrower Full Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000755 | Borrower Middle Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000755 | Coborrower Middle Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | XXXX | 000757 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000758 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000758 | Doc Type | Full | UTD | |
| XXXX | XXXX | 000601 | Coborrower First Name | XXXXX | XXXXX | |||
| XXXX | XXXX | 000601 | Coborrower Last Name | XXXXX | XXXXX | |||
| XXXX | XXXX | 000601 | Amortization Type | Fixed | ARM | |||
| XXXX | XXXX | 000601 | Purpose | Refinance | Purchase | |||
| XXXX | XXXX | 000601 | Index Type | XXXXX | XXXX | |||
| XXXX | XXXX | 000601 | Interest Rate Initial Cap | XX | XX | |||
| XXXX | XXXX | 000601 | Original CLTV | 44.12 | 47.07101 | |||
| XXXX | XXXX | 000601 | Interest Rate Life Floor | XX | XX | |||
| XXXX | XXXX | XXXX | 000658 | Original CLTV | 100 | 46.70058 | ||
| XXXX | XXXX | XXXX | 000659 | Original CLTV | 100 | 63.92122 | ||
| XXXX | XXXX | XXXX | 000660 | Original CLTV | 100 | 51.90032 | ||
| XXXX | XXXX | XXXX | 000661 | Original CLTV | 100 | 59.48338 | ||
| XXXX | XXXX | XXXX | 000759 | Original CLTV | 100 | 44.26453 | ||
| XXXX | XXXX | XXXX | 000760 | Original CLTV | 100 | 63.2608 | ||
| XXXX | XXXX | XXXX | 000761 | Original CLTV | 100 | 74.93627 | ||
| XXXX | XXXX | XXXX | 000762 | Original CLTV | 100 | 69.96713 | ||
| XXXX | XXXX | XXXX | 000763 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000763 | Original CLTV | 100 | 70.02703 | ||
| XXXX | XXXX | XXXX | 000764 | Original CLTV | 100 | 59.82908 | ||
| XXXX | XXXX | XXXX | 000765 | Original CLTV | 100 | 51.34531 | ||
| XXXX | XXXX | XXXX | 000766 | Original CLTV | 100 | 60.1586 | ||
| XXXX | XXXX | XXXX | 000767 | Original CLTV | 100 | 52.02995 | ||
| XXXX | XXXX | XXXX | 000768 | Original CLTV | 100 | 39.20397 | ||
| XXXX | XXXX | XXXX | 000769 | Original CLTV | 100 | 41.4104 | ||
| XXXX | XXXX | XXXX | 000770 | Original CLTV | 100 | 44.87687 | ||
| XXXX | XXXX | XXXX | 000771 | Original CLTV | 100 | 77.76429 | ||
| XXXX | XXXX | XXXX | 000772 | Original CLTV | 100 | 60.21333 | ||
| XXXX | XXXX | XXXX | 000773 | Original CLTV | 100 | 79.71819 | ||
| XXXX | XXXX | XXXX | 000774 | Original CLTV | 100 | 51.49775 | ||
| XXXX | XXXX | XXXX | 000775 | Original CLTV | 100 | 40.98265 | ||
| XXXX | XXXX | XXXX | 000776 | Original CLTV | 100 | 68.9531 | ||
| XXXX | XXXX | XXXX | 000777 | Original CLTV | 100 | 65.4638 | ||
| XXXX | XXXX | XXXX | 000782 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000782 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000782 | Cash To Borrower | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000782 | Original CLTV | 65 | 70.91 | ||
| XXXX | XXXX | XXXX | 000782 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000784 | Property Type | Single Family Detached | PUD | ||
| XXXX | XXXX | XXXX | 000784 | Original CLTV | 95.98 | 94.33 | ||
| XXXX | XXXX | XXXX | 000784 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000783 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000783 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000783 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000783 | Original Term | 371 | 360 | ||
| XXXX | XXXX | XXXX | 000783 | Amortization Term | 371 | 360 | ||
| XXXX | XXXX | XXXX | 000783 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000783 | Purpose | Purchase | Construction-Permanent | ||
| XXXX | XXXX | XXXX | 000783 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000783 | Original CLTV | 88.78 | 92.79 | ||
| XXXX | XXXX | XXXX | 000783 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000783 | Cash From Borrower | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000783 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | ||
| XXXX | XXXX | XXXX | XXXX | 000789 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000789 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000790 | Amortization Term | 620 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000790 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000790 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000790 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000790 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000790 | Margin | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000790 | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000790 | Interest Rate Change Frequency | 12 | ||
| XXXX | XXXX | XXXX | XXXX | 000790 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000790 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000790 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000790 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000790 | Original CLTV | 95 | ||
| XXXX | XXXX | XXXX | XXXX | 000790 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000790 | Original Interest Rate Period | 140 | ||
| XXXX | XXXX | XXXX | XXXX | 000790 | LTV Valuation Value | 44000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000786 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000786 | Interest Only | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000786 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000786 | Margin | 2.8 | ||
| XXXX | XXXX | XXXX | XXXX | 000786 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000786 | Interest Rate Change Frequency | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000786 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000786 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000786 | Interest Rate Initial Maximum | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000786 | Interest Rate Initial Minimum | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000786 | Payment Change Frequency | 12 | ||
| XXXX | XXXX | XXXX | XXXX | 000786 | Neg Am | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000786 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | 000787 | Original Term | 504 | 360 | ||
| XXXX | XXXX | XXXX | 000787 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000787 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000787 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000787 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000787 | Margin | 0 | 2.4 | ||
| XXXX | XXXX | XXXX | 000787 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000787 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 000787 | Interest Rate Life Max | XX | XX | ||
| XXXX | XXXX | XXXX | 000787 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000787 | First Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000787 | Next Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000787 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000787 | Maximum Balance % | 0 | 125 | ||
| XXXX | XXXX | XXXX | 000787 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | ||
| XXXX | XXXX | XXXX | XXXX | 000788 | Original Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000788 | Amortization Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000788 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000788 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000788 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000788 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000788 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000788 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | 000785 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000785 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000785 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000785 | Refi Purpose | Limited Cash-out GSE | Rate/Term | ||
| XXXX | XXXX | XXXX | XXXX | 000604 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000604 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000604 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | 000072 | Interest Only | 1 | 0 | ||
| XXXX | XXXX | XXXX | 000072 | Purpose | Purchase | Refinance | ||
| XXXX | XXXX | XXXX | 000072 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | XXXX | 000609 | Origination Channel | Correspondent | Retail | |
| XXXX | XXXX | XXXX | XXXX | 000606 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000606 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000606 | Interest Only | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000606 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 000606 | Balloon Flag | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000752 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000752 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000752 | Coborrower Last Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000752 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 000752 | Origination Channel | Correspondent | Retail | |
| XXXX | XXXX | XXXX | XXXX | 000752 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000745 | Doc Type | Full | Streamline | |
| XXXX | XXXX | XXXX | XXXX | 000745 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000747 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000747 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000747 | Coborrower Last Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000747 | Amortization Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000747 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 000747 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000747 | PMI Payment Plan | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000747 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000749 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000749 | Coborrower Last Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000749 | Amortization Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000749 | Purpose | Construction | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 000749 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 000749 | Origination Channel | Correspondent | Retail | |
| XXXX | XXXX | XXXX | XXXX | 000749 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000749 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000749 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000749 | PMI Payment Plan | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000749 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000751 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000751 | Property Type | Single Family Detached | PUD | |
| XXXX | XXXX | XXXX | XXXX | 000751 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 000751 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000751 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000751 | PMI Payment Plan | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000751 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000746 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000746 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000746 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000746 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 000746 | Origination Channel | Retail | ||
| XXXX | XXXX | XXXX | XXXX | 000746 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000746 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000746 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000746 | PMI Payment Plan | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000746 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000750 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000750 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 000750 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000748 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | 000779 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000779 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000779 | State | XX | |||
| XXXX | XXXX | XXXX | 000779 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000779 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000779 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000779 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000779 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000779 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000779 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000779 | Interest Only | 0 | |||
| XXXX | XXXX | XXXX | 000779 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 000779 | Occupancy | Primary | |||
| XXXX | XXXX | XXXX | 000779 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000779 | # of Units | 2 | |||
| XXXX | XXXX | XXXX | 000779 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000780 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000780 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000780 | State | XX | |||
| XXXX | XXXX | XXXX | 000780 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000780 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000780 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000780 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000780 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000780 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000780 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000780 | Interest Only | 0 | |||
| XXXX | XXXX | XXXX | 000780 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 000780 | Occupancy | Investment | |||
| XXXX | XXXX | XXXX | 000780 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000780 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 000780 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000800 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000802 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000802 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000802 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000802 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000802 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000803 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000803 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000803 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000803 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000803 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000803 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000803 | Purpose | Purchase | Refinance | ||
| XXXX | XXXX | XXXX | 000804 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000804 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000804 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000805 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000805 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000805 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000805 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000805 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000805 | Margin | 5.99 | |||
| XXXX | XXXX | XXXX | 000805 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000805 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000805 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000805 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000805 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000805 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000807 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000807 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000807 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000807 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000807 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000807 | Interest Only | 0 | |||
| XXXX | XXXX | XXXX | 000807 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000807 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000808 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000808 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000808 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000808 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000808 | Interest Only | 0 | |||
| XXXX | XXXX | XXXX | 000808 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000808 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000808 | Margin | 3.4 | |||
| XXXX | XXXX | XXXX | 000808 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000808 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000808 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000808 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000808 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000801 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000801 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000806 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000806 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000806 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000806 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | XXXX | 000791 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000791 | Property Type | Townhouse | PUD | |
| XXXX | XXXX | XXXX | XXXX | 000791 | Doc Type | Full | Alt | |
| XXXX | XXXX | XXXX | XXXX | 000607 | XXXX | Property Type | Single Family Attached | Single Family Detached |
| XXXX | XXXX | XXXX | XXXX | 000607 | XXXX | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X |
| XXXX | XXXX | XXXX | XXXX | 000605 | XXXX | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X |
| XXXX | XXXX | XXXX | XXXX | 000792 | Original Term | 480 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000792 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000792 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000792 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | 000809 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000809 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000809 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000809 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000809 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000815 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000815 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000753 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000753 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000754 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000754 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000754 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000754 | LTV Valuation Value | 165000.00 | |||
| XXXX | XXXX | XXXX | 000817 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000817 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000817 | LTV Valuation Value | 480000.00 | |||
| XXXX | XXXX | XXXX | 000826 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000827 | LTV Valuation Value | 790971.00 | 845000.00 | ||
| XXXX | XXXX | XXXX | 000828 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000828 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000756 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 000756 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000756 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000756 | Interest Rate Initial Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000756 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000756 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | ||
| XXXX | XXXX | XXXX | 000818 | Doc Type | Full | Alt | ||
| XXXX | XXXX | XXXX | 000823 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000823 | Property Type | Single Family Detached | PUD | ||
| XXXX | XXXX | XXXX | 000823 | Decision System | DU | |||
| XXXX | XXXX | XXXX | 000821 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000821 | Property Type | Single Family Detached | PUD | ||
| XXXX | XXXX | XXXX | 000821 | Decision System | DU | |||
| XXXX | XXXX | XXXX | 000825 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000825 | Decision System | DU | |||
| XXXX | XXXX | XXXX | 000824 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000824 | Decision System | DU | |||
| XXXX | XXXX | XXXX | 000822 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000822 | Decision System | DU | |||
| XXXX | XXXX | XXXX | 000816 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000816 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000597 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000597 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000835 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000835 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000835 | Original Term | 480 | 360 | ||
| XXXX | XXXX | XXXX | 000835 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000835 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000835 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000835 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000835 | Occupancy | Primary | UTD | ||
| XXXX | XXXX | XXXX | 000835 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000835 | LTV Valuation Value | 150000.00 | |||
| XXXX | XXXX | XXXX | 000714 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000714 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000714 | State | XX | |||
| XXXX | XXXX | XXXX | 000714 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000714 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000714 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | ||
| XXXX | XXXX | XXXX | 000714 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000714 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000714 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000714 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000714 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000714 | Interest Only | 0 | 1 | ||
| XXXX | XXXX | XXXX | 000714 | Occupancy | Investment | |||
| XXXX | XXXX | XXXX | 000714 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000714 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000714 | Margin | 5.25 | |||
| XXXX | XXXX | XXXX | 000714 | Interest Rate Change Frequency | 12 | |||
| XXXX | XXXX | XXXX | 000714 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000714 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 000714 | Original CLTV | 74.22411 | |||
| XXXX | XXXX | XXXX | 000714 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000714 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000598 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000598 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000598 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000598 | LTV Valuation Value | 120000.00 | 173000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000833 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000833 | Property Type | Single Family | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000833 | Purpose | Purchase | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000833 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000833 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000833 | Margin | 3.7 | ||
| XXXX | XXXX | XXXX | XXXX | 000833 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000833 | Interest Rate Change Frequency | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000833 | Refi Purpose | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 000833 | Interest Rate Initial Maximum | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000833 | Interest Rate Initial Minimum | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000833 | Payment Change Frequency | 12 | ||
| XXXX | XXXX | XXXX | XXXX | 000833 | Neg Am | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000830 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000830 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000830 | Interest Rate Change Frequency | 99 | ||
| XXXX | XXXX | XXXX | XXXX | 000830 | Payment Change Frequency | 99 | ||
| XXXX | XXXX | XXXX | 000832 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000832 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000832 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000832 | Interest Collection Type | In Arrears | Daily Simple | ||
| XXXX | XXXX | XXXX | 000832 | Refi Purpose | Cash-out - Other | Rate/Term | ||
| XXXX | XXXX | XXXX | XXXX | 000603 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000603 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000603 | LTV Valuation Value | 193258.43 | 195000.00 | |
| XXXX | XXXX | XXXX | 000831 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000831 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000831 | Original CLTV | 80 | 93.79 | ||
| XXXX | XXXX | XXXX | XXXX | 000602 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000602 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000602 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000602 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000602 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000602 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000836 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000836 | Coborrower Last Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000836 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000836 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000836 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000836 | Original Term | 356 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000836 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000836 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000836 | Property Type | Single Family Detached | 2 Family | |
| XXXX | XXXX | XXXX | XXXX | 000836 | # of Units | 1 | 2 | |
| XXXX | XXXX | XXXX | XXXX | 000836 | LTV Valuation Value | 479435.64 | 481000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000599 | Interest Rate Life Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000599 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000834 | Borrower Full Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | 000829 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000829 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000829 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000829 | LTV Valuation Value | 133000.00 | |||
| XXXX | XXXX | XXXX | 000592 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000592 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000592 | State | XX | |||
| XXXX | XXXX | XXXX | 000592 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000592 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000592 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000592 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000592 | Original Term | 399 | |||
| XXXX | XXXX | XXXX | 000592 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000592 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000592 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000592 | Amortization Type | Fixed | |||
| XXXX | XXXX | XXXX | 000592 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000592 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 000592 | Occupancy | Investment | |||
| XXXX | XXXX | XXXX | 000592 | Purpose | Construction-Permanent | |||
| XXXX | XXXX | XXXX | 000592 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000592 | # of Units | 2 | |||
| XXXX | XXXX | XXXX | 000592 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001199 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001199 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001199 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001199 | Interest Only | 0 | 1 | ||
| XXXX | XXXX | XXXX | 001199 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001199 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001199 | Margin | -0.51 | |||
| XXXX | XXXX | XXXX | 001199 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001199 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001199 | Original CLTV | 86.78431 | |||
| XXXX | XXXX | XXXX | 001200 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001200 | Occupancy | UTD | Primary | ||
| XXXX | XXXX | XXXX | 001200 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001200 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001200 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001200 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001200 | Original CLTV | 79.62844 | |||
| XXXX | XXXX | XXXX | 001200 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001202 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001202 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001202 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001202 | Original CLTV | 99.94884 | |||
| XXXX | XXXX | XXXX | 001203 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001203 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001203 | Interest Only | 0 | 1 | ||
| XXXX | XXXX | XXXX | 001203 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001203 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001203 | Margin | -0.25 | |||
| XXXX | XXXX | XXXX | 001203 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001203 | Original CLTV | 29.41176 | |||
| XXXX | XXXX | XXXX | 001203 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001204 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001204 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001204 | Interest Only | 0 | 1 | ||
| XXXX | XXXX | XXXX | 001204 | Occupancy | UTD | Primary | ||
| XXXX | XXXX | XXXX | 001204 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001204 | Margin | -0.5 | |||
| XXXX | XXXX | XXXX | 001204 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001204 | Original CLTV | 80.96176 | |||
| XXXX | XXXX | XXXX | 001204 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001205 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001205 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001205 | Original Term | 360 | 240 | ||
| XXXX | XXXX | XXXX | 001205 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001205 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001205 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001205 | Original CLTV | 68.1505 | |||
| XXXX | XXXX | XXXX | 001163 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001163 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001163 | State | XX | |||
| XXXX | XXXX | XXXX | 001163 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001163 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001163 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001163 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001163 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001163 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001163 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001163 | Amortization Type | Fixed | |||
| XXXX | XXXX | XXXX | 001163 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001163 | Property Type | Single Family | |||
| XXXX | XXXX | XXXX | 001163 | Lien Position | 2 | |||
| XXXX | XXXX | XXXX | 001163 | Occupancy | Investment | |||
| XXXX | XXXX | XXXX | 001163 | Purpose | UTD | |||
| XXXX | XXXX | XXXX | 001163 | Doc Type | No Doc | |||
| XXXX | XXXX | XXXX | 001163 | Refi Purpose | UTD | |||
| XXXX | XXXX | XXXX | 001163 | Original CLTV | 55.41 | |||
| XXXX | XXXX | XXXX | 001163 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001163 | LTV Valuation Value | 518000.00 | |||
| XXXX | XXXX | XXXX | XXXX | 001006 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001006 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001006 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001006 | Occupancy | Investment | Primary | |
| XXXX | XXXX | XXXX | XXXX | 001006 | Original CLTV | 15.1 | 29.31 | |
| XXXX | XXXX | XXXX | 001147 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001147 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001147 | Amortization Term | 230 | |||
| XXXX | XXXX | XXXX | 001147 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001147 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001147 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001147 | Doc Type | Full | |||
| XXXX | XXXX | XXXX | 001147 | Original CLTV | 36.35 | 178.71 | ||
| XXXX | XXXX | XXXX | 001147 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000838 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000838 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000838 | State | XX | |||
| XXXX | XXXX | XXXX | 000838 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000838 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000838 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000838 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000838 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000838 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000838 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000838 | Property Type | Single Family | |||
| XXXX | XXXX | XXXX | 000838 | Lien Position | 2 | |||
| XXXX | XXXX | XXXX | 000838 | Occupancy | Primary | |||
| XXXX | XXXX | XXXX | 000838 | Original CLTV | 100 | |||
| XXXX | XXXX | XXXX | 000838 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000838 | LTV Valuation Value | 57555.00 | |||
| XXXX | XXXX | XXXX | 000838 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000852 | Original Term | 360 | |||
| XXXX | XXXX | XXXX | 000852 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000852 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000852 | Purpose | UTD | Purchase | ||
| XXXX | XXXX | XXXX | 000852 | Doc Type | No Doc | Full | ||
| XXXX | XXXX | XXXX | 000852 | Original CLTV | 3.5 | 101.69 | ||
| XXXX | XXXX | XXXX | 000852 | Other Financing - Lien Position 2 - Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001070 | Original Term | 179 | 180 | ||
| XXXX | XXXX | XXXX | 001070 | Amortization Term | 172 | 180 | ||
| XXXX | XXXX | XXXX | 001070 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001070 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001070 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | ||
| XXXX | XXXX | XXXX | XXXX | 000968 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000968 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000968 | State | XX | ||
| XXXX | XXXX | XXXX | XXXX | 000968 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000968 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000968 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000968 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000968 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000968 | Amortization Type | Fixed | ||
| XXXX | XXXX | XXXX | XXXX | 000968 | Lien Position | 2 | ||
| XXXX | XXXX | XXXX | XXXX | 000968 | Doc Type | Reduced | ||
| XXXX | XXXX | XXXX | XXXX | 000968 | Appraisal Effective Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000968 | LTV Valuation Value | 105901.00 | ||
| XXXX | XXXX | XXXX | 001125 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001125 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001125 | State | XX | |||
| XXXX | XXXX | XXXX | 001125 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001125 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001125 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001125 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001125 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001125 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001125 | Lien Position | 2 | |||
| XXXX | XXXX | XXXX | 001125 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001149 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000889 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000889 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000889 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000881 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001177 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 001170 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001170 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | XXXX | 001000 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001000 | Original Term | 360 | 120 | |
| XXXX | XXXX | XXXX | XXXX | 001000 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001000 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001000 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001000 | Amortization Type | ARM | ||
| XXXX | XXXX | XXXX | XXXX | 001000 | Purpose | Refinance | ||
| XXXX | XXXX | XXXX | XXXX | 001000 | Doc Type | Full | ||
| XXXX | XXXX | XXXX | XXXX | 001000 | # of Units | 3 | ||
| XXXX | XXXX | XXXX | XXXX | 001000 | Refi Purpose | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | XXXX | 001000 | Balloon Flag | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 001052 | Amortization Term | 240 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001052 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001052 | Original CLTV | 71.15 | 51.92 | |
| XXXX | XXXX | XXXX | XXXX | 001052 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001112 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001112 | Property Type | Single Family Detached | PUD | |
| XXXX | XXXX | XXXX | XXXX | 001112 | Doc Type | Stated | Full | |
| XXXX | XXXX | XXXX | XXXX | 001112 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001112 | Original CLTV | 19.66 | 100 | |
| XXXX | XXXX | XXXX | XXXX | 000996 | Doc Type | Stated | Full | |
| XXXX | XXXX | XXXX | XXXX | 000996 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000996 | Original CLTV | 19.6 | 100 | |
| XXXX | XXXX | XXXX | 001034 | Original Term | 360 | |||
| XXXX | XXXX | XXXX | 001034 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001034 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001034 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001034 | Lien Position | 2 | 1 | ||
| XXXX | XXXX | XXXX | 001034 | Refi Purpose | Rate/Term | Cash-out - Other | ||
| XXXX | XXXX | XXXX | 000905 | XXXX | Original Term | 180 | ||
| XXXX | XXXX | XXXX | 000905 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | 000905 | XXXX | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | 000972 | XXXX | Original Term | 200 | ||
| XXXX | XXXX | XXXX | 000972 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | 000972 | XXXX | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | 000972 | XXXX | Property Type | Single Family Detached | ||
| XXXX | XXXX | XXXX | 000972 | XXXX | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | 000972 | XXXX | # of Units | 1 | ||
| XXXX | XXXX | XXXX | 000972 | XXXX | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | 000952 | XXXX | Original Term | 35 | ||
| XXXX | XXXX | XXXX | 000952 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | 000952 | XXXX | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | 000952 | XXXX | # of Units | 1 | ||
| XXXX | XXXX | XXXX | 000952 | XXXX | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | 000952 | XXXX | LTV Valuation Value | 326000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 001019 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001019 | Amortization Term | 248 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001019 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001019 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001019 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001019 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 001019 | Prepayment Penalty Period (months) | 12 | ||
| XXXX | XXXX | XXXX | XXXX | 001019 | Prepayment Penalty | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 001019 | LTV Valuation Value | 590000.00 | ||
| XXXX | XXXX | XXXX | 001049 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001049 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001049 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001049 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001049 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001049 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001049 | Occupancy | Investment | Second Home | ||
| XXXX | XXXX | XXXX | 001049 | Purpose | UTD | Purchase | ||
| XXXX | XXXX | XXXX | 001049 | Doc Type | No Doc | UTD | ||
| XXXX | XXXX | XXXX | 001049 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001049 | Margin | 1 | |||
| XXXX | XXXX | XXXX | 001049 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001049 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 001049 | Interest Rate Life Max | XX | XX | ||
| XXXX | XXXX | XXXX | 001049 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001049 | Refi Purpose | UTD | |||
| XXXX | XXXX | XXXX | 001049 | Original CLTV | 10 | 100 | ||
| XXXX | XXXX | XXXX | 001049 | Payment Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001049 | LTV Valuation Value | 700000.00 | |||
| XXXX | XXXX | XXXX | XXXX | 001038 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001038 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001038 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001038 | Property Type | Single Family Detached | Single Family Attached | |
| XXXX | XXXX | XXXX | XXXX | 001038 | Doc Type | SIVA | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001038 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001038 | Margin | 0.25 | ||
| XXXX | XXXX | XXXX | XXXX | 001038 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001038 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001038 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001038 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001038 | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001038 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001038 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001038 | Original CLTV | 78.88 | 80.53 | |
| XXXX | XXXX | XXXX | XXXX | 000921 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000921 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000921 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000921 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000921 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000921 | Doc Type | SIVA | Full | |
| XXXX | XXXX | XXXX | XXXX | 000921 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000921 | Margin | 1.01 | ||
| XXXX | XXXX | XXXX | XXXX | 000921 | Interest Rate Change Frequency | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000921 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000921 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000921 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000921 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000921 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000921 | Refi Purpose | UTD | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 000921 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000921 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001160 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001160 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001160 | Amortization Term | 360 | 240 | |
| XXXX | XXXX | XXXX | XXXX | 001160 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001160 | Doc Type | SIVA | Stated | |
| XXXX | XXXX | XXXX | XXXX | 001160 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001160 | Margin | 0.25 | ||
| XXXX | XXXX | XXXX | XXXX | 001160 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001160 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001160 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001160 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001160 | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001160 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001160 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001100 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001100 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001100 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001100 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001100 | Doc Type | Alt | Full | |
| XXXX | XXXX | XXXX | XXXX | 001100 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001100 | Margin | -0.25 | ||
| XXXX | XXXX | XXXX | XXXX | 001100 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001100 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001100 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001100 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001100 | Refi Purpose | UTD | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001100 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001100 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000845 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000845 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000845 | Property Type | Multi (Blanket) | 2 Family | |
| XXXX | XXXX | XXXX | XXXX | 000845 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000845 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000845 | Margin | 0.25 | ||
| XXXX | XXXX | XXXX | XXXX | 000845 | Interest Rate Change Frequency | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000845 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000845 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000845 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000845 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000845 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000845 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000845 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000845 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000845 | Original CLTV | 89.39 | 11.11 | |
| XXXX | XXXX | XXXX | XXXX | 000845 | LTV Valuation Value | 447500.00 | 450000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000898 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000898 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000898 | Amortization Term | 423 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000898 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000898 | Property Type | Multi (Blanket) | 2 Family | |
| XXXX | XXXX | XXXX | XXXX | 000898 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000898 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000898 | Margin | -0.25 | ||
| XXXX | XXXX | XXXX | XXXX | 000898 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000898 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000898 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000898 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000898 | Refi Purpose | Cash-out - Home Improvement | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 000898 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000898 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000898 | Original CLTV | 76.85 | 80.22 | |
| XXXX | XXXX | XXXX | XXXX | 000898 | LTV Valuation Value | 475000.00 | 455000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000962 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000962 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000962 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000962 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000962 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000962 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000962 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000962 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000962 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000962 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000962 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000962 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001029 | Margin | 4.25 | ||
| XXXX | XXXX | XXXX | XXXX | 001029 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001029 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001029 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001029 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001029 | # of Units | 2 | 3 | |
| XXXX | XXXX | XXXX | XXXX | 001029 | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001029 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001029 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001029 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001029 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001029 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001029 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001029 | Property Type | Multi (Blanket) | 3 Family | |
| XXXX | XXXX | XXXX | XXXX | 001029 | Doc Type | Full | Reduced | |
| XXXX | XXXX | XXXX | XXXX | 001029 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001080 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001080 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001080 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001080 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001080 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001080 | Property Type | Condo | Single Family Attached | |
| XXXX | XXXX | XXXX | XXXX | 001080 | Lien Position | 2 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 001080 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001080 | Margin | -0.25 | ||
| XXXX | XXXX | XXXX | XXXX | 001080 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001080 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001080 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001080 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001080 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001080 | Original CLTV | 81.69 | 20 | |
| XXXX | XXXX | XXXX | XXXX | 001048 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001048 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001048 | Property Type | Multi (Blanket) | 2 Family | |
| XXXX | XXXX | XXXX | XXXX | 001048 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001048 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001048 | Margin | -0.25 | ||
| XXXX | XXXX | XXXX | XXXX | 001048 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001048 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001048 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001048 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001048 | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001048 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001048 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000868 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000868 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000868 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000868 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000868 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000868 | Margin | -0.25 | ||
| XXXX | XXXX | XXXX | XXXX | 000868 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000868 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000868 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000868 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000868 | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 000868 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000868 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000982 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000982 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000982 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000982 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000982 | Property Type | Single Family Detached | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000982 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000982 | Margin | 1.01 | ||
| XXXX | XXXX | XXXX | XXXX | 000982 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000982 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000982 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000982 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000982 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000982 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000982 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000930 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000930 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000930 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000930 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000930 | Property Type | Single Family Detached | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000930 | Doc Type | SIVA | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000930 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000930 | Margin | 0.25 | ||
| XXXX | XXXX | XXXX | XXXX | 000930 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000930 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000930 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000930 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000930 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000930 | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 000930 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000930 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001024 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001024 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001024 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001024 | Property Type | Single Family Detached | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001024 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001024 | Doc Type | SIVA | Full | |
| XXXX | XXXX | XXXX | XXXX | 001024 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001024 | Margin | 0.75 | ||
| XXXX | XXXX | XXXX | XXXX | 001024 | Interest Rate Change Frequency | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 001024 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001024 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001024 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001024 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001024 | # of Units | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 001024 | Refi Purpose | UTD | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001024 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001024 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001024 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001040 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001040 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001040 | Property Type | Multi (Blanket) | Single Family Detached | |
| XXXX | XXXX | XXXX | XXXX | 001040 | Purpose | UTD | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 001040 | Doc Type | SIVA | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001040 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001040 | Margin | 1.375 | ||
| XXXX | XXXX | XXXX | XXXX | 001040 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001040 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001040 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001040 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001040 | # of Units | 2 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 001040 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001040 | Refi Purpose | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 001040 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001040 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000914 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000914 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000914 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000914 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000914 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000914 | Margin | 1.75 | ||
| XXXX | XXXX | XXXX | XXXX | 000914 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000914 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000914 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000914 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000914 | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 000914 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000914 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000920 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000920 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000920 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000920 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000920 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000920 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000920 | Margin | -0.5 | ||
| XXXX | XXXX | XXXX | XXXX | 000920 | Interest Rate Change Frequency | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000920 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000920 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000920 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000920 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000920 | Refi Purpose | UTD | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 000920 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000920 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001124 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001124 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001124 | Property Type | UTD | PUD | |
| XXXX | XXXX | XXXX | XXXX | 001124 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001124 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001124 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001124 | Margin | -0.26 | ||
| XXXX | XXXX | XXXX | XXXX | 001124 | Interest Rate Change Frequency | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 001124 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001124 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001124 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001124 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001124 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001124 | Refi Purpose | UTD | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001124 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001124 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000862 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000862 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000862 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000862 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000862 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 000862 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000862 | Margin | 0.49 | ||
| XXXX | XXXX | XXXX | XXXX | 000862 | Interest Rate Change Frequency | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 000862 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000862 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000862 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000862 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000862 | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 000862 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000862 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000991 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000991 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000991 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000991 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000991 | Margin | 0.74 | ||
| XXXX | XXXX | XXXX | XXXX | 000991 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000991 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000991 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000991 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000991 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000991 | Next Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000991 | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 000991 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000991 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001138 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001138 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001138 | Lien Position | 2 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 001138 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001138 | Margin | 0.515 | ||
| XXXX | XXXX | XXXX | XXXX | 001138 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001138 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001138 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001138 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001138 | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001138 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001138 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000975 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000975 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000975 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000975 | Margin | 0.99 | ||
| XXXX | XXXX | XXXX | XXXX | 000975 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000975 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000975 | Interest Rate Periodic Floor | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000975 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000975 | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 000975 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000975 | Interest Rate Initial Floor | XX | XX | |
| XXXX | XXXX | XXXX | 000848 | Amortization Type | ARM | Fixed | ||
| XXXX | XXXX | XXXX | XXXX | 000967 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | 000859 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000859 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000859 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000859 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000859 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000859 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000859 | Doc Type | Full | |||
| XXXX | XXXX | XXXX | 000859 | Original CLTV | 26.74 | 78.88 | ||
| XXXX | XXXX | XXXX | 000859 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001113 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001113 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001113 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001113 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001113 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001113 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001101 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001101 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001101 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001101 | Amortization Term | 60 | |||
| XXXX | XXXX | XXXX | 001101 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001101 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001101 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001101 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001101 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001101 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001101 | Original CLTV | 100 | |||
| XXXX | XXXX | XXXX | 001101 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001101 | LTV Valuation Value | 82170.00 | |||
| XXXX | XXXX | XXXX | 001101 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001143 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001143 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001143 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001143 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001143 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001143 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001143 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001143 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001143 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001143 | Original CLTV | 13.59 | 84.09 | ||
| XXXX | XXXX | XXXX | 001143 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001143 | LTV Valuation Value | 320000.00 | 242000.00 | ||
| XXXX | XXXX | XXXX | 001143 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000910 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000910 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000910 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000910 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000910 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000910 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000910 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000910 | Occupancy | Primary | UTD | ||
| XXXX | XXXX | XXXX | 000910 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000910 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000910 | Original CLTV | 58.39 | |||
| XXXX | XXXX | XXXX | 000910 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000910 | LTV Valuation Value | 93000.00 | |||
| XXXX | XXXX | XXXX | 000910 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000849 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000849 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000849 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000849 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000849 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000849 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000849 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000849 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000849 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000849 | Original CLTV | 16.92 | |||
| XXXX | XXXX | XXXX | 000849 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000849 | LTV Valuation Value | 195000.00 | |||
| XXXX | XXXX | XXXX | 000849 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001090 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001090 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001090 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001090 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001090 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001090 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001090 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001090 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001090 | Original CLTV | 25.65 | 54.43 | ||
| XXXX | XXXX | XXXX | 001090 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001090 | LTV Valuation Value | 173500.00 | 290000.00 | ||
| XXXX | XXXX | XXXX | 001090 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001139 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001139 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001139 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001139 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001139 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001139 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001139 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001139 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001139 | Original CLTV | 25 | |||
| XXXX | XXXX | XXXX | 001139 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001139 | LTV Valuation Value | 200000.00 | |||
| XXXX | XXXX | XXXX | 001139 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000909 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000909 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000909 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000909 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000909 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000909 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000909 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000909 | Purpose | UTD | |||
| XXXX | XXXX | XXXX | 000909 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000909 | Original CLTV | 49.11 | |||
| XXXX | XXXX | XXXX | 000909 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000909 | LTV Valuation Value | 112000.00 | |||
| XXXX | XXXX | XXXX | 000909 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000901 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000901 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000901 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000901 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000901 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000901 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000901 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000901 | Original CLTV | 16.45 | 74.71 | ||
| XXXX | XXXX | XXXX | 000901 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000901 | LTV Valuation Value | 152000.00 | 253999.00 | ||
| XXXX | XXXX | XXXX | 000901 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001067 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001067 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001067 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001067 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001067 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001067 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001067 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001067 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001067 | Original CLTV | 30.28 | 88.85 | ||
| XXXX | XXXX | XXXX | 001067 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001067 | LTV Valuation Value | 180000.00 | 390000.00 | ||
| XXXX | XXXX | XXXX | 001067 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001041 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001041 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001041 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001041 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001041 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001041 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001041 | Occupancy | Primary | UTD | ||
| XXXX | XXXX | XXXX | 001041 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001041 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001041 | Original CLTV | 29.73 | 76.72 | ||
| XXXX | XXXX | XXXX | 001041 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001041 | LTV Valuation Value | 345000.00 | 500000.00 | ||
| XXXX | XXXX | XXXX | 001041 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001082 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001082 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001082 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001082 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001082 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001082 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001082 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001082 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001082 | Original CLTV | 45.74 | |||
| XXXX | XXXX | XXXX | 001082 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001082 | LTV Valuation Value | 234000.00 | |||
| XXXX | XXXX | XXXX | 001082 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001091 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001091 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001091 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001091 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001091 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001091 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001091 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001091 | Doc Type | No Doc | |||
| XXXX | XXXX | XXXX | 001091 | Original CLTV | 41.64 | 80 | ||
| XXXX | XXXX | XXXX | 001091 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001091 | LTV Valuation Value | 485000.00 | 564038.00 | ||
| XXXX | XXXX | XXXX | 001091 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001107 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001107 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001107 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001107 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001107 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001107 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001107 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001107 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001107 | Original CLTV | 24.75 | 72.58 | ||
| XXXX | XXXX | XXXX | 001107 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001107 | LTV Valuation Value | 202000.00 | 341671.00 | ||
| XXXX | XXXX | XXXX | 001107 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000856 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000856 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000856 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000856 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000856 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000856 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000856 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000856 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000856 | Original CLTV | 15.49 | 86.02 | ||
| XXXX | XXXX | XXXX | 000856 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000856 | LTV Valuation Value | 225000.00 | 296000.00 | ||
| XXXX | XXXX | XXXX | 000856 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001016 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001016 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001016 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001016 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001016 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001016 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001016 | Lien Position | 2 | 1 | ||
| XXXX | XXXX | XXXX | 001016 | Purpose | UTD | |||
| XXXX | XXXX | XXXX | 001016 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001016 | Original CLTV | 27.16 | 21.31 | ||
| XXXX | XXXX | XXXX | 001016 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001016 | LTV Valuation Value | 225000.00 | 286797.00 | ||
| XXXX | XXXX | XXXX | 001016 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001169 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001169 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001169 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001169 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001169 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001169 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001169 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001169 | Occupancy | Primary | UTD | ||
| XXXX | XXXX | XXXX | 001169 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001169 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001169 | Original CLTV | 18.24 | |||
| XXXX | XXXX | XXXX | 001169 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001169 | LTV Valuation Value | 207000.00 | |||
| XXXX | XXXX | XXXX | 001169 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000989 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000989 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000989 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000989 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000989 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000989 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000989 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000989 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000989 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000989 | Original CLTV | 25.44 | 89.23 | ||
| XXXX | XXXX | XXXX | 000989 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000989 | LTV Valuation Value | 210000.00 | 300000.00 | ||
| XXXX | XXXX | XXXX | 000989 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000992 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000992 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000992 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000992 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000992 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000992 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000992 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000992 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000992 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000992 | Original CLTV | 10.61 | 97.78 | ||
| XXXX | XXXX | XXXX | 000992 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000992 | LTV Valuation Value | 330000.00 | 450000.00 | ||
| XXXX | XXXX | XXXX | 000992 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001026 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001026 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001026 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001026 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001026 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001026 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001026 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001026 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001026 | Original CLTV | 79.12 | 90.84 | ||
| XXXX | XXXX | XXXX | 001026 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001026 | LTV Valuation Value | 90000.00 | 205000.00 | ||
| XXXX | XXXX | XXXX | 001026 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001129 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001129 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001129 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001129 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001129 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001129 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001129 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001129 | Doc Type | Full | |||
| XXXX | XXXX | XXXX | 001129 | Original CLTV | 53.04 | 100 | ||
| XXXX | XXXX | XXXX | 001129 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001129 | LTV Valuation Value | 114000.00 | 184863.00 | ||
| XXXX | XXXX | XXXX | 001129 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001105 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001105 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001105 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001105 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001105 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001105 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001105 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001105 | Original CLTV | 34.24 | 81.57 | ||
| XXXX | XXXX | XXXX | 001105 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001105 | LTV Valuation Value | 469900.00 | 648000.00 | ||
| XXXX | XXXX | XXXX | 001105 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000877 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000877 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000877 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000877 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000877 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000877 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000877 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 000877 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000877 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000877 | Original CLTV | 14.89 | 90.49 | ||
| XXXX | XXXX | XXXX | 000877 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000877 | LTV Valuation Value | 137000.00 | 185000.00 | ||
| XXXX | XXXX | XXXX | 000891 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000891 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000891 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000891 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000891 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000891 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000891 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000891 | Occupancy | Primary | UTD | ||
| XXXX | XXXX | XXXX | 000891 | Purpose | UTD | |||
| XXXX | XXXX | XXXX | 000891 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000891 | Original CLTV | 18.55 | 70.94 | ||
| XXXX | XXXX | XXXX | 000891 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000891 | LTV Valuation Value | 256000.00 | 415000.00 | ||
| XXXX | XXXX | XXXX | 000891 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001172 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001172 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001172 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001172 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001172 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001172 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001172 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001172 | Lien Position | 2 | 1 | ||
| XXXX | XXXX | XXXX | 001172 | Occupancy | Primary | UTD | ||
| XXXX | XXXX | XXXX | 001172 | Purpose | UTD | |||
| XXXX | XXXX | XXXX | 001172 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001172 | Original CLTV | 25.51 | 23.43 | ||
| XXXX | XXXX | XXXX | 001172 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001172 | LTV Valuation Value | 225000.00 | 245000.00 | ||
| XXXX | XXXX | XXXX | 001172 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001134 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001134 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001134 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001134 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001134 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001134 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001134 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001134 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001134 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001134 | Original CLTV | 15.51 | 87.1 | ||
| XXXX | XXXX | XXXX | 001134 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001134 | LTV Valuation Value | 270000.00 | 400000.00 | ||
| XXXX | XXXX | XXXX | 001134 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001020 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001020 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001020 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001020 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001020 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001020 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001020 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001020 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001020 | Original CLTV | 14.81 | 85.49 | ||
| XXXX | XXXX | XXXX | 001020 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001020 | LTV Valuation Value | 410000.00 | 665000.00 | ||
| XXXX | XXXX | XXXX | 001020 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000950 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000950 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000950 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000950 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000950 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000950 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000950 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000950 | Original CLTV | 12.78 | 100 | ||
| XXXX | XXXX | XXXX | 000950 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000950 | LTV Valuation Value | 180000.00 | 264000.00 | ||
| XXXX | XXXX | XXXX | 000950 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000846 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000846 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000846 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000846 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000846 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000846 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000846 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000846 | Doc Type | Full | |||
| XXXX | XXXX | XXXX | 000846 | Original CLTV | 11.35 | 77.62 | ||
| XXXX | XXXX | XXXX | 000846 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000846 | LTV Valuation Value | 255000.00 | 380000.00 | ||
| XXXX | XXXX | XXXX | 000846 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001069 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001069 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001069 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001069 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001069 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001069 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001069 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001069 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001069 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001069 | Original CLTV | 12.08 | 85.49 | ||
| XXXX | XXXX | XXXX | 001069 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001069 | LTV Valuation Value | 132000.00 | 230000.00 | ||
| XXXX | XXXX | XXXX | 001069 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001023 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001023 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001023 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001023 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001023 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001023 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001023 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001023 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001023 | Original CLTV | 75.94 | 85.49 | ||
| XXXX | XXXX | XXXX | 001023 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001023 | LTV Valuation Value | 95000.00 | 172000.00 | ||
| XXXX | XXXX | XXXX | 001023 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000917 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000917 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000917 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000917 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000917 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000917 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000917 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000917 | Doc Type | Full | |||
| XXXX | XXXX | XXXX | 000917 | Original CLTV | 33.49 | 77.15 | ||
| XXXX | XXXX | XXXX | 000917 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000917 | LTV Valuation Value | 328464.00 | 460000.00 | ||
| XXXX | XXXX | XXXX | 000917 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001064 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001064 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001064 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001064 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001064 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001064 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001064 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001064 | Property Type | Single Family | Condo (High Rise) | ||
| XXXX | XXXX | XXXX | 001064 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001064 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001064 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001064 | LTV Valuation Value | 300000.00 | 695000.00 | ||
| XXXX | XXXX | XXXX | 001064 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000839 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000839 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000839 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000839 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000839 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000839 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000839 | Occupancy | Primary | UTD | ||
| XXXX | XXXX | XXXX | 000839 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000839 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000839 | Original CLTV | 18.14 | 90 | ||
| XXXX | XXXX | XXXX | 000839 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000839 | LTV Valuation Value | 237000.00 | 470000.00 | ||
| XXXX | XXXX | XXXX | 000839 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001119 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001119 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001119 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 001119 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000983 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000983 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000983 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000983 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000983 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000983 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000983 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000983 | Doc Type | Full | |||
| XXXX | XXXX | XXXX | 000983 | Original CLTV | 29.51 | 48.12 | ||
| XXXX | XXXX | XXXX | 000983 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000983 | LTV Valuation Value | 244000.00 | 300000.00 | ||
| XXXX | XXXX | XXXX | 000983 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000897 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000897 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000897 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000897 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000897 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000897 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000897 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000897 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000897 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000897 | Original CLTV | 31.43 | |||
| XXXX | XXXX | XXXX | 000897 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000897 | LTV Valuation Value | 175000.00 | |||
| XXXX | XXXX | XXXX | 000897 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000894 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000894 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000894 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000894 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000894 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 000894 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000894 | Doc Type | Full | |||
| XXXX | XXXX | XXXX | 000894 | Original CLTV | 18.53 | 95.5 | ||
| XXXX | XXXX | XXXX | 000894 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000894 | LTV Valuation Value | 325000.00 | 425000.00 | ||
| XXXX | XXXX | XXXX | 000888 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000888 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000888 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000888 | Amortization Term | 120 | |||
| XXXX | XXXX | XXXX | 000888 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000888 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000888 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 000888 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000888 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000888 | Original CLTV | 5.79 | 13.44 | ||
| XXXX | XXXX | XXXX | 000888 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 000888 | LTV Valuation Value | 290000.00 | 125000.00 | ||
| XXXX | XXXX | XXXX | 000888 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000927 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000927 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000927 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000927 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000927 | Original CLTV | 17.22 | 82.78 | ||
| XXXX | XXXX | XXXX | 000927 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000866 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000866 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000866 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000866 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 000866 | Other Financing Junior Total Original Loan Amount | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | XXXX | 001062 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001062 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001062 | State | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001062 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001062 | Property Type | Single Family | PUD | |
| XXXX | XXXX | XXXX | XXXX | 001062 | Lien Position | 2 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000941 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000941 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000941 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000941 | Borrower Full Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | 001117 | Amortization Term | 237 | 240 | ||
| XXXX | XXXX | XXXX | 001117 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001117 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001117 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001117 | Purpose | UTD | Refinance | ||
| XXXX | XXXX | XXXX | 001117 | Doc Type | UTD | |||
| XXXX | XXXX | XXXX | 001117 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001117 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001117 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 001117 | Interest Rate Life Min | XX | XX | ||
| XXXX | XXXX | XXXX | 001117 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001117 | Contract Sales Price | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001117 | Interest Rate Initial Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001117 | Original CLTV | 0 | |||
| XXXX | XXXX | XXXX | 001117 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001117 | Interest Rate Initial Maximum | XX | XX | ||
| XXXX | XXXX | XXXX | 001117 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001117 | Other Financing - Lien Position 2 - Current Balance | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001117 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | ||
| XXXX | XXXX | XXXX | 001117 | Other Financing Senior Total Balance | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | XXXX | 001045 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001045 | Amortization Term | 266 | 300 | |
| XXXX | XXXX | XXXX | XXXX | 001045 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001045 | Interest Only | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 001045 | Interest Only Period | 120 | ||
| XXXX | XXXX | XXXX | XXXX | 001045 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001045 | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001045 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001045 | Original CLTV | 12.5 | 37.5 | |
| XXXX | XXXX | XXXX | XXXX | 001045 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Original Term | 497 | 300 | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Amortization Term | 617 | 300 | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Property Type | Single Family | PUD | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Interest Only | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Interest Only Period | 120 | ||
| XXXX | XXXX | XXXX | XXXX | 001057 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Margin | 2.25 | ||
| XXXX | XXXX | XXXX | XXXX | 001057 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Interest Rate Change Frequency | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 001057 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Balloon Flag | 1 | 0 | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Original CLTV | 14.84 | 94.99 | |
| XXXX | XXXX | XXXX | XXXX | 001057 | Prepayment Penalty Period (months) | 36 | ||
| XXXX | XXXX | XXXX | XXXX | 001057 | Prepayment Penalty | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000929 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000929 | Amortization Term | 252 | 300 | |
| XXXX | XXXX | XXXX | XXXX | 000929 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000929 | Interest Only | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000929 | Interest Only Period | 120 | ||
| XXXX | XXXX | XXXX | XXXX | 000929 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000929 | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000929 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000929 | Interest Rate Initial Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000929 | Original CLTV | 10 | 90 | |
| XXXX | XXXX | XXXX | XXXX | 000965 | Original Term | 425 | 240 | |
| XXXX | XXXX | XXXX | XXXX | 000965 | Amortization Term | 382 | 240 | |
| XXXX | XXXX | XXXX | XXXX | 000965 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000965 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000965 | LTV Valuation Value | 232000.00 | 320000.00 | |
| XXXX | XXXX | XXXX | XXXX | 001054 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001054 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001054 | Original Term | 696 | 240 | |
| XXXX | XXXX | XXXX | XXXX | 001054 | Amortization Term | 675 | 240 | |
| XXXX | XXXX | XXXX | XXXX | 001054 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001054 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001054 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001054 | Lien Position | 2 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 001054 | Prepayment Penalty | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 001054 | Borrower Middle Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000954 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000954 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000954 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000954 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000954 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001030 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001030 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001030 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000945 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000945 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000945 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000864 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000864 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000864 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000864 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000987 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000987 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000987 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000987 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001123 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001123 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001123 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001123 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001121 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001121 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001121 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001121 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000853 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000853 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000853 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001017 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001017 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001017 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001017 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001017 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001017 | LTV Valuation Value | 713510.00 | 760000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000842 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000842 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000842 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000842 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000842 | Refi Purpose | Rate/Term | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001028 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001028 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001028 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000932 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000932 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000932 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000932 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001102 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001102 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001102 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001102 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000885 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000885 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000885 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000885 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001092 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001092 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001092 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001092 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001120 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001120 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001120 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001120 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001120 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000887 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000887 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000887 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000887 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000887 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000887 | LTV Valuation Value | 285139.00 | 405000.00 | |
| XXXX | XXXX | XXXX | XXXX | 001051 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001051 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001051 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001051 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001051 | LTV Valuation Value | 210000.00 | 218000.00 | |
| XXXX | XXXX | XXXX | XXXX | 001166 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001166 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001166 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001166 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001166 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001171 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001171 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001171 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001171 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001171 | LTV Valuation Value | 281000.00 | 285000.00 | |
| XXXX | XXXX | XXXX | XXXX | 001165 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001165 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001165 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001165 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001165 | Refi Purpose | Rate/Term | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001060 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001060 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001060 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001060 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001060 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001060 | Margin | 0 | 3.25 | |
| XXXX | XXXX | XXXX | XXXX | 001060 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000935 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000935 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000935 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000935 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000935 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001005 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001005 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001005 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001005 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001103 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001103 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001103 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001103 | Refi Purpose | Rate/Term | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 000994 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000994 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000994 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000994 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000994 | LTV Valuation Value | 400000.00 | 425000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000995 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000995 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000995 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000995 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000995 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000995 | Margin | 0 | 3.75 | |
| XXXX | XXXX | XXXX | XXXX | 000995 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000995 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000995 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001148 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001148 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001148 | LTV Valuation Value | 435000.00 | 470000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000937 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000937 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000937 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000937 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000937 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000937 | Margin | 0 | 2.25 | |
| XXXX | XXXX | XXXX | XXXX | 000937 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001157 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001157 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001157 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001157 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001157 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001157 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001157 | Margin | 0 | 4.5 | |
| XXXX | XXXX | XXXX | XXXX | 001157 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001157 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001157 | LTV Valuation Value | 845000.00 | 850000.00 | |
| XXXX | XXXX | XXXX | XXXX | 001133 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001133 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001133 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001133 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001133 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001133 | Margin | 0 | 4.75 | |
| XXXX | XXXX | XXXX | XXXX | 001133 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001133 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000908 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000908 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000908 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000908 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000908 | Margin | 0 | 4 | |
| XXXX | XXXX | XXXX | XXXX | 000908 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000896 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000896 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000896 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000882 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000882 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000882 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000882 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001122 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001122 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001122 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000958 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000958 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000958 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000958 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000958 | Margin | 0 | 3 | |
| XXXX | XXXX | XXXX | XXXX | 000958 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000958 | Refi Purpose | Cash-out - Other | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 000918 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000918 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000918 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000918 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000918 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000918 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000918 | Margin | 0 | 3.5 | |
| XXXX | XXXX | XXXX | XXXX | 000918 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000918 | Refi Purpose | Cash-out - Other | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 001056 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001056 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001056 | Refi Purpose | Cash-out - Other | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 000970 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000970 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000970 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000970 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000970 | Margin | 0 | 5.75 | |
| XXXX | XXXX | XXXX | XXXX | 000970 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000970 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000904 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000904 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000904 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000904 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000904 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000904 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000974 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000974 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000974 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000974 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000974 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001086 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001086 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001086 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001086 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001086 | Margin | 0 | 2.75 | |
| XXXX | XXXX | XXXX | XXXX | 001086 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001086 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001132 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001132 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001132 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001132 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001132 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001132 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001132 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001132 | Margin | 0 | 1.75 | |
| XXXX | XXXX | XXXX | XXXX | 001132 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001182 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001182 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001182 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001158 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001158 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001158 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000895 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000895 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000895 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001096 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001096 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001096 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001096 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001096 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001096 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001096 | Margin | 0 | 3.75 | |
| XXXX | XXXX | XXXX | XXXX | 001096 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001068 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001068 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001068 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001068 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001068 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001068 | Margin | 0 | 5 | |
| XXXX | XXXX | XXXX | XXXX | 001068 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001068 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000986 | Coborrower Last Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000986 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000986 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000986 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000986 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000986 | Margin | 0 | 3.5 | |
| XXXX | XXXX | XXXX | XXXX | 000986 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001130 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001130 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001130 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001130 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001130 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001130 | Margin | 0 | 3.25 | |
| XXXX | XXXX | XXXX | XXXX | 001130 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001130 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001130 | Refi Purpose | Rate/Term | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001161 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001161 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001161 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001161 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001161 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001161 | Margin | 0 | 3.25 | |
| XXXX | XXXX | XXXX | XXXX | 001161 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000857 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000857 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000857 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000857 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000857 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000857 | Margin | 0 | 3.25 | |
| XXXX | XXXX | XXXX | XXXX | 000857 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000857 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000916 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000916 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000916 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000916 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000916 | Margin | 0 | 4.75 | |
| XXXX | XXXX | XXXX | XXXX | 000916 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000916 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001071 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001071 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001071 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001071 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001071 | Margin | 0 | 4.75 | |
| XXXX | XXXX | XXXX | XXXX | 001071 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001071 | LTV Valuation Value | 175000.00 | 190000.00 | |
| XXXX | XXXX | XXXX | XXXX | 001167 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001167 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001167 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001167 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001167 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001167 | Margin | 0 | 2.75 | |
| XXXX | XXXX | XXXX | XXXX | 001167 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001167 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000847 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000847 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001032 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001032 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001032 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001032 | Purpose | Refinance | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 001032 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001032 | Margin | 0 | 1.25 | |
| XXXX | XXXX | XXXX | XXXX | 001032 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001032 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 001004 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001004 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001004 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001004 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001004 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001004 | Margin | 0 | 0.25 | |
| XXXX | XXXX | XXXX | XXXX | 001004 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001004 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001140 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001140 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001140 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001140 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001140 | Margin | 0 | 2.75 | |
| XXXX | XXXX | XXXX | XXXX | 001140 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001140 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001154 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001154 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001154 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001154 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001154 | Margin | 0 | 2.5 | |
| XXXX | XXXX | XXXX | XXXX | 001154 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000933 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000933 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000933 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000933 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000933 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000933 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000933 | Margin | 0 | 3.25 | |
| XXXX | XXXX | XXXX | XXXX | 000933 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000999 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000999 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000999 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000999 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000999 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000999 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000999 | Margin | 0 | 2.5 | |
| XXXX | XXXX | XXXX | XXXX | 000999 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000999 | LTV Valuation Value | 1200000.00 | 1201000.00 | |
| XXXX | XXXX | XXXX | XXXX | 001168 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001168 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001168 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001168 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001168 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001168 | Margin | 0 | 3 | |
| XXXX | XXXX | XXXX | XXXX | 001168 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001173 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001173 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001173 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001173 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001003 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001003 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001003 | Refi Purpose | Cash-out - Other | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 001181 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001181 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001181 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001181 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001181 | Margin | 0 | 2.5 | |
| XXXX | XXXX | XXXX | XXXX | 001181 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001180 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001180 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001180 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001180 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001180 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001180 | Margin | 0 | 1.75 | |
| XXXX | XXXX | XXXX | XXXX | 001180 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001180 | LTV Valuation Value | 470000.00 | 468000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000988 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000988 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001035 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001035 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001035 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001035 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001035 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001035 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001145 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001145 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001145 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001145 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001145 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001145 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000948 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000948 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000948 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000948 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000980 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000980 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000980 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000980 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000980 | Refi Purpose | Cash-out - Other | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 000913 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000913 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000913 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000913 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000913 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000913 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000913 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000915 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000915 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000915 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000915 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000915 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000959 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000959 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000959 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000959 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000959 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000959 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000959 | Purpose | Refinance | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 000959 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000959 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000959 | LTV Valuation Value | 100660.00 | 105000.00 | |
| XXXX | XXXX | XXXX | XXXX | 001183 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001183 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001183 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001183 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001114 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001114 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001114 | Purpose | Refinance | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 001114 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001114 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000923 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000923 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000923 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000919 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000919 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000919 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000919 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001008 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001008 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001008 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001008 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001008 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001015 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001015 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001015 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001015 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000951 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000951 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000951 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000951 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000951 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000951 | Refi Purpose | Cash-out - Other | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 001001 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001001 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001001 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001001 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000998 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000998 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000998 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001018 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001018 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001018 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001018 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001018 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001018 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001152 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001152 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001152 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001152 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001152 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001152 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001152 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001152 | LTV Valuation Value | 391000.00 | 425000.00 | |
| XXXX | XXXX | XXXX | XXXX | 001155 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001155 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001155 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001155 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001155 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001155 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000924 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000924 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000924 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000924 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000924 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000924 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000924 | LTV Valuation Value | 110000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000884 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000884 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000884 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000884 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000884 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000939 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000939 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000939 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000939 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000939 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000939 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000858 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000858 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000858 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000858 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000858 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000858 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000858 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001118 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001118 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001118 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001118 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001118 | LTV Valuation Value | 108000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 001042 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001042 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001042 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001042 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001042 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001042 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001042 | LTV Valuation Value | 93000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 001083 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001083 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001083 | Purpose | Refinance | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001083 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001083 | Refi Purpose | Cash-out - Other | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001083 | LTV Valuation Value | 115000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 001074 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001074 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001074 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001074 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000971 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000971 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000971 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000971 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000971 | Refi Purpose | Cash-out - Other | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 000873 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000873 | Coborrower Last Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000873 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000873 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000873 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000873 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000873 | Lien Position | 2 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000873 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000873 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000873 | Refi Purpose | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | XXXX | 000873 | LTV Valuation Value | 105000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 000969 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000969 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000969 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000969 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000969 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000969 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000969 | Refi Purpose | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | XXXX | 000969 | LTV Valuation Value | 132000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 001135 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001135 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001135 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001135 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001135 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001135 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001135 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 001135 | LTV Valuation Value | 168000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 001002 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001002 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001002 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001002 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001002 | Purpose | Purchase | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001002 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001002 | Margin | 0 | 0.25 | |
| XXXX | XXXX | XXXX | XXXX | 001002 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001002 | Refi Purpose | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 001002 | LTV Valuation Value | 496000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 001106 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001106 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001106 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001106 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001106 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 001106 | LTV Valuation Value | 745000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 001027 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001027 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001027 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001027 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001027 | Purpose | UTD | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001027 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001027 | Margin | 0 | 3.5 | |
| XXXX | XXXX | XXXX | XXXX | 001027 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001027 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000979 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000979 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000979 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000979 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000979 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000979 | LTV Valuation Value | 330000.00 | 331000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000863 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000863 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000863 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 000863 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000863 | Margin | 0 | 2.25 | |
| XXXX | XXXX | XXXX | XXXX | 000863 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000863 | Refi Purpose | Cash-out - Other | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 000949 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000949 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000949 | Refi Purpose | Rate/Term | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001128 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001128 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001128 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000911 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000911 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001097 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001097 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000855 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000855 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000855 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001178 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001178 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001162 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001162 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001162 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000938 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000938 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000938 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000938 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 000883 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000883 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000883 | LTV Valuation Value | 691000.00 | 695000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000993 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000993 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000973 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000973 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000973 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000865 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000865 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000865 | Refi Purpose | Rate/Term | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001174 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001174 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001174 | State | XX | ||
| XXXX | XXXX | XXXX | XXXX | 001174 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001174 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001174 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001174 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001174 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001174 | Amortization Type | Fixed | ||
| XXXX | XXXX | XXXX | XXXX | 001174 | Lien Position | 2 | ||
| XXXX | XXXX | XXXX | XXXX | 001174 | Purpose | Purchase | ||
| XXXX | XXXX | XXXX | XXXX | 001174 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001072 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001072 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001072 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001072 | Margin | -1 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 001072 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001072 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001072 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000871 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000871 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000871 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000871 | Margin | -1 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 000871 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000871 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 001065 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001065 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001065 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001065 | Margin | -1 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 001065 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001065 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001065 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000925 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000925 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000925 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000925 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000925 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000925 | Margin | -0.625 | 0.625 | |
| XXXX | XXXX | XXXX | XXXX | 000925 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000925 | Refi Purpose | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | XXXX | 000925 | LTV Valuation Value | 245000.00 | 255000.00 | |
| XXXX | XXXX | XXXX | XXXX | 001053 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001053 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001053 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001053 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001053 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001053 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 001066 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001066 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001066 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001066 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001066 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001066 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001066 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001066 | Margin | 0 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 001066 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001066 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001066 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 001146 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001146 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001146 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001146 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001146 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001146 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 001111 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001111 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001111 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001111 | Margin | -1 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 001111 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001111 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000957 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000957 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000957 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000957 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000957 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 001039 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001039 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001039 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001039 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001039 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001039 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001039 | LTV Valuation Value | 1690000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 001098 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001098 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001098 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001098 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001098 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001098 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000872 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000872 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000872 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000872 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 000872 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 000872 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 000922 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000922 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000922 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000922 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000922 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000961 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000961 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000961 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000961 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001079 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001079 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001079 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001108 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001108 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001141 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001141 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001141 | Margin | -1 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 001141 | LTV Valuation Value | 347900.00 | 375000.00 | |
| XXXX | XXXX | XXXX | XXXX | 000840 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000840 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000840 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000840 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000840 | Purpose | Refinance | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 000840 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 001131 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001131 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001131 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001131 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001131 | Margin | -1 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 001131 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001025 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001025 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001025 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001025 | Margin | -0.875 | 0.875 | |
| XXXX | XXXX | XXXX | XXXX | 001025 | LTV Valuation Value | 65000.00 | 40000.00 | |
| XXXX | XXXX | XXXX | XXXX | 001142 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001142 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001142 | Margin | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 000984 | XXXX | Original Term | 365 | 180 |
| XXXX | XXXX | XXXX | XXXX | 000984 | XXXX | Amortization Term | 365 | 360 |
| XXXX | XXXX | XXXX | XXXX | 000984 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000984 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000984 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000984 | XXXX | Doc Type | Alt | Stated |
| XXXX | XXXX | XXXX | XXXX | 000984 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000984 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000984 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000984 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 001077 | XXXX | Street | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 001077 | XXXX | Original Term | 360 | 180 |
| XXXX | XXXX | XXXX | XXXX | 001077 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001077 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 001077 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 001077 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001077 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 001077 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 001077 | XXXX | Prepayment Penalty | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 001077 | XXXX | Borrower Middle Name | XXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 001077 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000899 | XXXX | Original Term | 360 | 180 |
| XXXX | XXXX | XXXX | XXXX | 000899 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000899 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000899 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000899 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 000899 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000899 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000899 | XXXX | Prepayment Penalty | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000899 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000926 | XXXX | Original Term | 367 | 180 |
| XXXX | XXXX | XXXX | XXXX | 000926 | XXXX | Amortization Term | 367 | 360 |
| XXXX | XXXX | XXXX | XXXX | 000926 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000926 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000926 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000926 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 000926 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000926 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000926 | XXXX | Prepayment Penalty | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000926 | XXXX | Borrower Middle Name | XXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 000926 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000943 | XXXX | Street | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000943 | XXXX | Original Term | 360 | 180 |
| XXXX | XXXX | XXXX | XXXX | 000943 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000943 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000943 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000943 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 000943 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000943 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000943 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000943 | XXXX | Prepayment Penalty | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000943 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000907 | XXXX | Original Term | 360 | 180 |
| XXXX | XXXX | XXXX | XXXX | 000907 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000907 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000907 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000907 | XXXX | Occupancy | Investment | Primary |
| XXXX | XXXX | XXXX | XXXX | 000907 | XXXX | Purpose | Refinance | Purchase |
| XXXX | XXXX | XXXX | XXXX | 000907 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 000907 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000907 | XXXX | Refi Purpose | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 000907 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000907 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000907 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000869 | XXXX | Original Term | 364 | 180 |
| XXXX | XXXX | XXXX | XXXX | 000869 | XXXX | Amortization Term | 364 | 360 |
| XXXX | XXXX | XXXX | XXXX | 000869 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000869 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000869 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000869 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 000869 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000869 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000869 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000869 | XXXX | Prepayment Penalty | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000869 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 001115 | XXXX | Original Term | 364 | 360 |
| XXXX | XXXX | XXXX | XXXX | 001115 | XXXX | Amortization Term | 364 | 360 |
| XXXX | XXXX | XXXX | XXXX | 001115 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001115 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 001115 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 001115 | XXXX | Occupancy | Primary | Investment |
| XXXX | XXXX | XXXX | XXXX | 001115 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 001115 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001115 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 001115 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000944 | XXXX | Original Term | 364 | 180 |
| XXXX | XXXX | XXXX | XXXX | 000944 | XXXX | Amortization Term | 364 | 360 |
| XXXX | XXXX | XXXX | XXXX | 000944 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000944 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000944 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000944 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 000944 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000944 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000944 | XXXX | Prepayment Penalty | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000944 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 001012 | XXXX | Original Term | 360 | 180 |
| XXXX | XXXX | XXXX | XXXX | 001012 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001012 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 001012 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 001012 | XXXX | Doc Type | Alt | Full |
| XXXX | XXXX | XXXX | XXXX | 001012 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001012 | XXXX | Refi Purpose | Rate/Term | Cash-out - Other |
| XXXX | XXXX | XXXX | XXXX | 001012 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 001012 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 001012 | XXXX | Borrower Middle Name | XXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 001012 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 001164 | XXXX | Street | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 001164 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 001164 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 001164 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001164 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 001164 | XXXX | Prepayment Penalty | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 001164 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 001011 | XXXX | Borrower First Name | XXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 001011 | XXXX | Borrower Last Name | XXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 001011 | XXXX | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX |
| XXXX | XXXX | XXXX | XXXX | 001011 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 001011 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 001011 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001011 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 001011 | XXXX | Prepayment Penalty | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 001011 | XXXX | Borrower Middle Name | XXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 001011 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 001150 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 001150 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 001150 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001150 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 001150 | XXXX | Borrower Middle Name | XXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 001150 | XXXX | Coborrower Middle Name | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 001150 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000947 | XXXX | City | XXXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 000947 | XXXX | Borrower First Name | XXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 000947 | XXXX | Original Term | 365 | 180 |
| XXXX | XXXX | XXXX | XXXX | 000947 | XXXX | Amortization Term | 365 | 360 |
| XXXX | XXXX | XXXX | XXXX | 000947 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000947 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000947 | XXXX | Occupancy | Primary | Second Home |
| XXXX | XXXX | XXXX | XXXX | 000947 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000947 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000947 | XXXX | Borrower Middle Name | XXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 000947 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000928 | XXXX | Original Term | 361 | 180 |
| XXXX | XXXX | XXXX | XXXX | 000928 | XXXX | Amortization Term | 361 | 360 |
| XXXX | XXXX | XXXX | XXXX | 000928 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000928 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000928 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000928 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 000928 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000928 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000928 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000928 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 001013 | XXXX | Original Term | 360 | 180 |
| XXXX | XXXX | XXXX | XXXX | 001013 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001013 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 001013 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 001013 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 001013 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001013 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 001013 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 001013 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 001151 | XXXX | Original Term | 360 | 180 |
| XXXX | XXXX | XXXX | XXXX | 001151 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001151 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 001151 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 001151 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 001151 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001151 | XXXX | Refi Purpose | Rate/Term | Cash-out - Other |
| XXXX | XXXX | XXXX | XXXX | 001151 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 001151 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 001151 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000903 | XXXX | Street | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000903 | XXXX | Original Term | 363 | 180 |
| XXXX | XXXX | XXXX | XXXX | 000903 | XXXX | Amortization Term | 363 | 360 |
| XXXX | XXXX | XXXX | XXXX | 000903 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000903 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000903 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000903 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 000903 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000903 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000903 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000903 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 001033 | XXXX | Original Term | 363 | 180 |
| XXXX | XXXX | XXXX | XXXX | 001033 | XXXX | Amortization Term | 363 | 360 |
| XXXX | XXXX | XXXX | XXXX | 001033 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001033 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 001033 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 001033 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 001033 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001033 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 001033 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 001033 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000976 | XXXX | Original Term | 360 | 180 |
| XXXX | XXXX | XXXX | XXXX | 000976 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000976 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000976 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000976 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 000976 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000976 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000976 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000976 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000886 | XXXX | Street | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000886 | XXXX | Original Term | 360 | 180 |
| XXXX | XXXX | XXXX | XXXX | 000886 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000886 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000886 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000886 | XXXX | Occupancy | Investment | Primary |
| XXXX | XXXX | XXXX | XXXX | 000886 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 000886 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000886 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000886 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000886 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000900 | XXXX | Street | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 000900 | XXXX | Original Term | 360 | 180 |
| XXXX | XXXX | XXXX | XXXX | 000900 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000900 | XXXX | Original Interest Rate | X.XXX | X.XXX |
| XXXX | XXXX | XXXX | XXXX | 000900 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 000900 | XXXX | Doc Type | Alt | UTD |
| XXXX | XXXX | XXXX | XXXX | 000900 | XXXX | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 000900 | XXXX | Balloon Flag | 0 | 1 |
| XXXX | XXXX | XXXX | XXXX | 000900 | XXXX | Original LTV | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 000900 | XXXX | Borrower Middle Name | XXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 000900 | XXXX | Other Financing Senior Total Balance | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | 000956 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000956 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000956 | Amortization Term | 665 | 360 | ||
| XXXX | XXXX | XXXX | 000956 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000956 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000956 | Occupancy | Primary | UTD | ||
| XXXX | XXXX | XXXX | 000956 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000997 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000997 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000997 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000997 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000997 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000997 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000997 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000997 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000997 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001037 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001037 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001037 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001037 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001037 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001037 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001037 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001037 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001037 | Margin | 1.5 | |||
| XXXX | XXXX | XXXX | 001109 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001109 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001109 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000946 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000946 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000946 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000946 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000946 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000946 | Margin | 2.9 | |||
| XXXX | XXXX | XXXX | 000946 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 000880 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000880 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000880 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000880 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000880 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000880 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000880 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000880 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000880 | Margin | 3.5 | |||
| XXXX | XXXX | XXXX | 000880 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 000879 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000879 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000879 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000879 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000879 | Purpose | Purchase | |||
| XXXX | XXXX | XXXX | 000879 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001046 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001046 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001046 | Purpose | UTD | |||
| XXXX | XXXX | XXXX | 001046 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001127 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001127 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001127 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001156 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001156 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001156 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001156 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001156 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001156 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000931 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000931 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000931 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000931 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000931 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000931 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000931 | Margin | 0.5 | |||
| XXXX | XXXX | XXXX | 000931 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 000854 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000854 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000854 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000854 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000854 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 000854 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 000977 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000977 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000977 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000977 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000977 | Margin | 2 | 1.74 | ||
| XXXX | XXXX | XXXX | 000977 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001144 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001144 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001144 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001144 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001144 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001144 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001144 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 001184 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001184 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001184 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001185 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001185 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001186 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001186 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001189 | Original Term | 571 | 360 | ||
| XXXX | XXXX | XXXX | 001189 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001189 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001189 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001189 | Margin | 2.25 | |||
| XXXX | XXXX | XXXX | 001189 | Interest Rate Change Frequency | 12 | |||
| XXXX | XXXX | XXXX | 001189 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001189 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001189 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001190 | Original Term | 594 | 360 | ||
| XXXX | XXXX | XXXX | 001190 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001190 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001190 | Occupancy | Primary | UTD | ||
| XXXX | XXXX | XXXX | 001190 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001190 | Refi Purpose | Cash-out | UTD | ||
| XXXX | XXXX | XXXX | 001190 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001188 | Original Term | 527 | 360 | ||
| XXXX | XXXX | XXXX | 001188 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001188 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001188 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001188 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001188 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001188 | Margin | 6.25 | |||
| XXXX | XXXX | XXXX | 001188 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 001188 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001188 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001188 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001194 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001195 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001195 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001195 | State | XX | |||
| XXXX | XXXX | XXXX | 001195 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001195 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001195 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001195 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001195 | Original Term | 360 | |||
| XXXX | XXXX | XXXX | 001195 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001195 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001195 | Amortization Type | Fixed | |||
| XXXX | XXXX | XXXX | 001195 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001195 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 001195 | Occupancy | Investment | |||
| XXXX | XXXX | XXXX | 001195 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001195 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001195 | # of Units | 2 | |||
| XXXX | XXXX | XXXX | 001195 | Refi Purpose | Rate/Term | |||
| XXXX | XXXX | XXXX | 001195 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | XXXX | 001201 | Original Term | 360 | ||
| XXXX | XXXX | XXXX | XXXX | 001201 | Doc Type | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 001201 | Refi Purpose | Cash-out - Other | ||
| XXXX | XXXX | XXXX | XXXX | 001201 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | 001196 | XXXX | Doc Type | Alt | 12mo Bank Statement | |
| XXXX | XXXX | XXXX | 001196 | XXXX | Prepayment Penalty Period (months) | 1000 | ||
| XXXX | XXXX | XXXX | 001196 | XXXX | Lender | XXXX | ||
| XXXX | XXXX | XXXX | 001196 | XXXX | Product Description | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | 001196 | XXXX | Escrow Account | 0 | 1 | |
| XXXX | XXXX | XXXX | 001196 | XXXX | PITIA Reserves Months | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001187 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001187 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001187 | Coborrower First Name | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001187 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001187 | Amortization Term | 443 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001187 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001187 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001187 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001187 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | 001193 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001193 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 001193 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001193 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001193 | Rounding Factor | 0.000 | |||
| XXXX | XXXX | XXXX | 001193 | Interest Rate Initial Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001193 | Interest Rate Initial Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001193 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | ||
| XXXX | XXXX | XXXX | 001198 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001198 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001198 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001198 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001198 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001198 | Prepayment Penalty | 0 | 1 | ||
| XXXX | XXXX | XXXX | 001198 | Hazard Insurance Monthly Premium | XX.XX | XX.XX | ||
| XXXX | XXXX | XXXX | 001198 | Monthly Taxes | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001198 | Borrower Citizenship | US Citizen | |||
| XXXX | XXXX | XXXX | XXXX | 001197 | Original Term | 478 | 180 | |
| XXXX | XXXX | XXXX | XXXX | 001197 | Amortization Term | 496 | 180 | |
| XXXX | XXXX | XXXX | XXXX | 001197 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001197 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | 001207 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001207 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001207 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001207 | Occupancy | Primary | |||
| XXXX | XXXX | XXXX | 001207 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001207 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001207 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001207 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | ||
| XXXX | XXXX | XXXX | 001208 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001208 | Occupancy | Investment | |||
| XXXX | XXXX | XXXX | 001211 | Original Term | 402 | 360 | ||
| XXXX | XXXX | XXXX | 001211 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001211 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001212 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001212 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001212 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001212 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001212 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001213 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001213 | Original Term | 394 | 360 | ||
| XXXX | XXXX | XXXX | 001213 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001213 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001213 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001215 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001216 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001216 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001217 | Original Term | 506 | 360 | ||
| XXXX | XXXX | XXXX | 001217 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001217 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001217 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001218 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001218 | Original Term | 369 | 360 | ||
| XXXX | XXXX | XXXX | 001218 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001218 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001218 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001219 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001220 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001221 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001221 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001222 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001223 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001226 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001226 | Original Term | 513 | 360 | ||
| XXXX | XXXX | XXXX | 001226 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001226 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001226 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001227 | Original Term | 509 | 360 | ||
| XXXX | XXXX | XXXX | 001227 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001227 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001228 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001228 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001228 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001229 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001230 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001231 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001231 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001231 | State | XX | |||
| XXXX | XXXX | XXXX | 001231 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001231 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001231 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001231 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001231 | Original Term | 360 | |||
| XXXX | XXXX | XXXX | 001231 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001231 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001231 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001231 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001231 | Interest Only | 0 | |||
| XXXX | XXXX | XXXX | 001231 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 001231 | Purpose | Purchase | |||
| XXXX | XXXX | XXXX | 001231 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001231 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001231 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001232 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001232 | Purpose | Purchase | |||
| XXXX | XXXX | XXXX | 001232 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001232 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001232 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001233 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001233 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001234 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001234 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001234 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001235 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001235 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001235 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001236 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001237 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001237 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001237 | State | XX | |||
| XXXX | XXXX | XXXX | 001237 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001237 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001237 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001237 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001237 | Original Term | 505 | |||
| XXXX | XXXX | XXXX | 001237 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001237 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001237 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001237 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001237 | Interest Only | 0 | |||
| XXXX | XXXX | XXXX | 001237 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 001237 | Purpose | Purchase | |||
| XXXX | XXXX | XXXX | 001237 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001237 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001237 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001237 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001237 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001238 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001238 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001238 | State | XX | |||
| XXXX | XXXX | XXXX | 001238 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001238 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001238 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001238 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001238 | Original Term | 360 | |||
| XXXX | XXXX | XXXX | 001238 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001238 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001238 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001238 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001238 | Interest Only | 0 | |||
| XXXX | XXXX | XXXX | 001238 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 001238 | Purpose | Purchase | |||
| XXXX | XXXX | XXXX | 001238 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001238 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001238 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001238 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001238 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001239 | Original Term | 494 | 360 | ||
| XXXX | XXXX | XXXX | 001239 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001239 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001240 | Original Term | 417 | 360 | ||
| XXXX | XXXX | XXXX | 001240 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001240 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001240 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001240 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001241 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001241 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | 001242 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001242 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001242 | LTV Valuation Value | 40000.00 | 50000.00 | ||
| XXXX | XXXX | XXXX | 001244 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001244 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001244 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001244 | LTV Valuation Value | 165000.00 | 196500.00 | ||
| XXXX | XXXX | XXXX | 001245 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001245 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001245 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001245 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001245 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001245 | LTV Valuation Value | 150950.00 | 157500.00 | ||
| XXXX | XXXX | XXXX | 001246 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001246 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001246 | Refi Purpose | Cash-out | Rate/Term | ||
| XXXX | XXXX | XXXX | 001246 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001246 | LTV Valuation Value | 68000.00 | 70000.00 | ||
| XXXX | XXXX | XXXX | 001247 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001247 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001247 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001247 | LTV Valuation Value | 315250.00 | 332000.00 | ||
| XXXX | XXXX | XXXX | 001248 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001248 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001248 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001248 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001248 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001248 | Purpose | Purchase | |||
| XXXX | XXXX | XXXX | 001248 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001248 | Margin | 3.275 | |||
| XXXX | XXXX | XXXX | 001248 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001248 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001249 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001249 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001249 | Refi Purpose | Cash-out | Rate/Term | ||
| XXXX | XXXX | XXXX | 001249 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001249 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001250 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001250 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001250 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001250 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001250 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001250 | Margin | 3.4 | |||
| XXXX | XXXX | XXXX | 001250 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001250 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001251 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001251 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001251 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001251 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001251 | Margin | 3.65 | |||
| XXXX | XXXX | XXXX | 001251 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001251 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001253 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001253 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001253 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001253 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001253 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001253 | Margin | 3.4 | |||
| XXXX | XXXX | XXXX | 001253 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001253 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001253 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | 001254 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001254 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001255 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001255 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001255 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001255 | LTV Valuation Value | 95000.00 | |||
| XXXX | XXXX | XXXX | 001256 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001256 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001256 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001257 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001257 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001257 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001257 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001258 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001258 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001258 | LTV Valuation Value | 85000.00 | |||
| XXXX | XXXX | XXXX | 001259 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001259 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001259 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001259 | Refi Purpose | Rate/Term | |||
| XXXX | XXXX | XXXX | 001259 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001259 | LTV Valuation Value | 0.00 | 137000.00 | ||
| XXXX | XXXX | XXXX | 001261 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001261 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001261 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001261 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001262 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001262 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001262 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001262 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001262 | LTV Valuation Value | 302100.00 | 330000.00 | ||
| XXXX | XXXX | XXXX | 001264 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001264 | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | ||
| XXXX | XXXX | XXXX | 001264 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001264 | LTV Valuation Value | 50000.00 | 65000.00 | ||
| XXXX | XXXX | XXXX | 001265 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001265 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001265 | LTV Valuation Value | 68000.00 | 92000.00 | ||
| XXXX | XXXX | XXXX | 001267 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001267 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001267 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001268 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001268 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001268 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001268 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001268 | Refi Purpose | Cash-out | Rate/Term | ||
| XXXX | XXXX | XXXX | 001269 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001270 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001270 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001270 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | 001271 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001271 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001271 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001271 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001271 | LTV Valuation Value | 170550.00 | 215000.00 | ||
| XXXX | XXXX | XXXX | 001273 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001273 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001273 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001273 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001273 | Margin | 5.81 | |||
| XXXX | XXXX | XXXX | 001273 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 001273 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001273 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001275 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001275 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001275 | Margin | 7.89 | |||
| XXXX | XXXX | XXXX | 001275 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 001275 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001275 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001277 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001277 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001277 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001278 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001278 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001278 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001278 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001278 | Margin | 6.05 | |||
| XXXX | XXXX | XXXX | 001278 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 001278 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001280 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001280 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001280 | Refi Purpose | Cash-out | Rate/Term | ||
| XXXX | XXXX | XXXX | 001281 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001281 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001282 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001282 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001282 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001252 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001252 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001252 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001252 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001252 | LTV Valuation Value | 194000.00 | 204900.00 | ||
| XXXX | XXXX | XXXX | 001260 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001260 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001260 | LTV Valuation Value | 496000.00 | 620000.00 | ||
| XXXX | XXXX | XXXX | 001263 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001263 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001263 | Purpose | Purchase | |||
| XXXX | XXXX | XXXX | 001263 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001263 | LTV Valuation Value | 151000.00 | 261000.00 | ||
| XXXX | XXXX | XXXX | 001266 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001266 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001266 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001266 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001266 | LTV Valuation Value | 175495.00 | 216211.00 | ||
| XXXX | XXXX | XXXX | 001272 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001272 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001272 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001272 | LTV Valuation Value | 210054.00 | 326670.00 | ||
| XXXX | XXXX | XXXX | 001224 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001224 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001224 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001224 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001225 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001225 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001308 | Original CLTV | 58.75 | 62.08 | ||
| XXXX | XXXX | XXXX | 001308 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | XXXX | 001310 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001310 | XXXX | Representative FICO | XXX | XXX |
| XXXX | XXXX | XXXX | XXXX | 001310 | XXXX | Refi Purpose | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001313 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001312 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001312 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001312 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001312 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001312 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001312 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001284 | Purpose | Purchase | Refinance | |
| XXXX | XXXX | XXXX | XXXX | 001284 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001283 | Purpose | Refinance | ||
| XXXX | XXXX | XXXX | XXXX | 001283 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001283 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001279 | XXXX | Occupancy | Investment | Primary |
| XXXX | XXXX | XXXX | XXXX | 001279 | XXXX | Purpose | UTD | Purchase |
| XXXX | XXXX | XXXX | XXXX | 001279 | XXXX | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001279 | XXXX | Refi Purpose | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001279 | XXXX | Interest Rate Initial Minimum | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 001279 | XXXX | PMI Company | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 001279 | XXXX | PMI Coverage % | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 001274 | XXXX | Zip | XXXXX | XXXXX |
| XXXX | XXXX | XXXX | XXXX | 001274 | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001274 | XXXX | Property Type | Single Family | UTD |
| XXXX | XXXX | XXXX | XXXX | 001274 | XXXX | Interest Only | 0 | |
| XXXX | XXXX | XXXX | XXXX | 001274 | XXXX | Occupancy | UTD | Primary |
| XXXX | XXXX | XXXX | XXXX | 001274 | XXXX | Purpose | UTD | Refinance |
| XXXX | XXXX | XXXX | XXXX | 001274 | XXXX | Index Type | XXXXX | XXXX |
| XXXX | XXXX | XXXX | XXXX | 001274 | XXXX | Margin | 3.4 | |
| XXXX | XXXX | XXXX | XXXX | 001274 | XXXX | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | XXXX | XXXX | XXXX | 001274 | XXXX | Interest Rate Life Max | XX | XX |
| XXXX | XXXX | XXXX | XXXX | 001274 | XXXX | Refi Purpose | UTD | Rate/Term |
| XXXX | XXXX | XXXX | XXXX | 001274 | XXXX | Interest Rate Initial Minimum | XX | XX |
| XXXX | XXXX | XXXX | 001309 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001309 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001309 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001309 | Original CLTV | 89.9052 | |||
| XXXX | XXXX | XXXX | 001309 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001309 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001309 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | XXXX | 001276 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001276 | Original Term | 478 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001276 | Amortization Term | 550 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001276 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001276 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001276 | Amortization Type | Fixed | ARM | |
| XXXX | XXXX | XXXX | XXXX | 001276 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001276 | Interest Only | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 001276 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001276 | Margin | 0 | 2.85 | |
| XXXX | XXXX | XXXX | XXXX | 001276 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001276 | Next Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001276 | Interest Rate Change Frequency | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 001276 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001276 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001276 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001276 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | 001289 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001289 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001289 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001289 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001290 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001290 | Occupancy | Primary | |||
| XXXX | XXXX | XXXX | 001290 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001290 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001290 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001290 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001292 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001292 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001292 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001293 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001293 | Original Term | 509 | 360 | ||
| XXXX | XXXX | XXXX | 001293 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001293 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001293 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001293 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001293 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001286 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001286 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001286 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001319 | Original Term | 359 | 360 | ||
| XXXX | XXXX | XXXX | 001319 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001319 | Occupancy | Primary | |||
| XXXX | XXXX | XXXX | 001319 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001320 | Original Term | 359 | 360 | ||
| XXXX | XXXX | XXXX | 001320 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001320 | Occupancy | Primary | |||
| XXXX | XXXX | XXXX | 001320 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001321 | Original Term | 359 | 360 | ||
| XXXX | XXXX | XXXX | 001321 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001321 | Occupancy | Primary | |||
| XXXX | XXXX | XXXX | 001321 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001314 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001314 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001315 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001316 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001316 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001316 | Original CLTV | 96.5 | 94.81142 | ||
| XXXX | XXXX | XXXX | 001316 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001316 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | ||
| XXXX | XXXX | XXXX | 001317 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001317 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | XXXX | 001299 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001299 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001299 | Interest Only Period | 60 | ||
| XXXX | XXXX | XXXX | XXXX | 001299 | Purpose | Purchase | ||
| XXXX | XXXX | XXXX | XXXX | 001299 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001299 | Index Type | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001299 | Margin | 6.75 | ||
| XXXX | XXXX | XXXX | XXXX | 001299 | Interest Rate Change Frequency | 6 | ||
| XXXX | XXXX | XXXX | XXXX | 001299 | Interest Rate Life Min | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001299 | Interest Rate Life Max | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001299 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 001299 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001299 | LTV Valuation Value | 140000.00 | 225000.00 | |
| XXXX | XXXX | XXXX | XXXX | 001300 | Interest Only Period | 60 | ||
| XXXX | XXXX | XXXX | XXXX | 001300 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001300 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 001303 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001303 | Original Term | 460 | 240 | |
| XXXX | XXXX | XXXX | XXXX | 001303 | Amortization Term | 461 | 240 | |
| XXXX | XXXX | XXXX | XXXX | 001303 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001303 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001303 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001303 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001303 | LTV Valuation Value | 0.00 | 130000.00 | |
| XXXX | XXXX | XXXX | 001362 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001362 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001362 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001363 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001363 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001363 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001363 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001364 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001365 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001366 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001366 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001366 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001366 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | ||
| XXXX | XXXX | XXXX | 001367 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001367 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001367 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001367 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001367 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001367 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001367 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | ||
| XXXX | XXXX | XXXX | 001369 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001369 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001370 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001370 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001370 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001370 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001371 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001371 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001372 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001373 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001373 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001373 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001373 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001374 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001374 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001374 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | ||
| XXXX | XXXX | XXXX | 001375 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001375 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001375 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001376 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001379 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001380 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001383 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001383 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001355 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001355 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001355 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001355 | Purpose | Purchase | |||
| XXXX | XXXX | XXXX | 001355 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001355 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001355 | Margin | 9.05 | |||
| XXXX | XXXX | XXXX | 001355 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 001355 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001355 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001355 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001356 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001356 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001358 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001358 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001358 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001358 | Occupancy | Primary | |||
| XXXX | XXXX | XXXX | 001358 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001358 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001358 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001358 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001359 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001359 | Occupancy | Primary | |||
| XXXX | XXXX | XXXX | 001359 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001359 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001359 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001360 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001360 | Occupancy | Primary | |||
| XXXX | XXXX | XXXX | 001360 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001360 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001360 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001432 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001432 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001432 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001441 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001441 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001441 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001442 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001442 | Occupancy | Investment | |||
| XXXX | XXXX | XXXX | 001442 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001442 | # of Units | 2 | 1 | ||
| XXXX | XXXX | XXXX | 001442 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001444 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001444 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001444 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001456 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001456 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001456 | Margin | 0.053 | 5.25 | ||
| XXXX | XXXX | XXXX | 001456 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001456 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001456 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001458 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001458 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001458 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001458 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001458 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001458 | Margin | 0.045 | 4.5 | ||
| XXXX | XXXX | XXXX | 001458 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001458 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001458 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001455 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001455 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001455 | Margin | 0.038 | 3.75 | ||
| XXXX | XXXX | XXXX | 001455 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001455 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001455 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001461 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001461 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | ||
| XXXX | XXXX | XXXX | 001461 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001461 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001461 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001461 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001462 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | ||
| XXXX | XXXX | XXXX | 001462 | Original Term | 500 | 360 | ||
| XXXX | XXXX | XXXX | 001462 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001462 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001462 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001462 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001472 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | ||
| XXXX | XXXX | XXXX | 001472 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001472 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001472 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001472 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001474 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001474 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | ||
| XXXX | XXXX | XXXX | 001474 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001474 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001474 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001474 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001474 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001474 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001475 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | ||
| XXXX | XXXX | XXXX | 001475 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001475 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001475 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001475 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001475 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001475 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001476 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | ||
| XXXX | XXXX | XXXX | 001476 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001476 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001476 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001476 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001477 | Borrower SSN | XXX-XX-XXXX | XXX-XX-XXXX | ||
| XXXX | XXXX | XXXX | 001477 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001477 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001477 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001477 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000793 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000793 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000793 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001443 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001443 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001443 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001443 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001443 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001459 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001459 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001459 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001459 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001459 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001459 | Margin | 0.08 | 7.95 | ||
| XXXX | XXXX | XXXX | 001459 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001459 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001459 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001464 | Property Type | PUD | Single Family Attached | ||
| XXXX | XXXX | XXXX | 001464 | Original CLTV | 96.49989 | |||
| XXXX | XXXX | XXXX | 001464 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001464 | LTV Valuation Value | 345700.00 | |||
| XXXX | XXXX | XXXX | 001537 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001537 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001537 | State | XX | |||
| XXXX | XXXX | XXXX | 001537 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001537 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001537 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001537 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001537 | Original Term | 360 | |||
| XXXX | XXXX | XXXX | 001537 | Amortization Type | Fixed | |||
| XXXX | XXXX | XXXX | 001537 | Property Type | Single Family | |||
| XXXX | XXXX | XXXX | 001537 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 001537 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001537 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001526 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001526 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001526 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001533 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001533 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001533 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001533 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001533 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001513 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001513 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001513 | Property Type | Multi Family | Single Family Detached | ||
| XXXX | XXXX | XXXX | 001513 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001515 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001515 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001515 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001517 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001517 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001517 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001519 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001519 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001519 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001519 | Borrower Middle Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001519 | Coborrower Middle Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001520 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001520 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001520 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001520 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001522 | Property Type | Multi Family | Single Family Detached | ||
| XXXX | XXXX | XXXX | 001523 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001523 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001523 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001525 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001525 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001525 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001532 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001534 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001534 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001534 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001540 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001541 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001465 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001468 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001468 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001468 | Margin | 3.215 | 2.5 | ||
| XXXX | XXXX | XXXX | 001468 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001467 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001463 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001463 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 001463 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001463 | Original CLTV | 96.48837 | |||
| XXXX | XXXX | XXXX | 001463 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001463 | LTV Valuation Value | 245500.00 | |||
| XXXX | XXXX | XXXX | 001466 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001466 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001466 | Margin | 5.25 | |||
| XXXX | XXXX | XXXX | 001466 | First Interest Rate Change Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001466 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001466 | First Payment Change Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001469 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001469 | Purpose | Refinance | Purchase | ||
| XXXX | XXXX | XXXX | 001470 | Amortization Type | ARM | Fixed | ||
| XXXX | XXXX | XXXX | 001470 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001470 | Occupancy | Primary | UTD | ||
| XXXX | XXXX | XXXX | 001470 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001470 | Borrower Middle Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001471 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001471 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001471 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 001471 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001471 | Margin | 2.85 | |||
| XXXX | XXXX | XXXX | 001471 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001471 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001471 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001471 | Lookback Period | Most recent index available | |||
| XXXX | XXXX | XXXX | 001471 | Rounding Factor | 0.000 | |||
| XXXX | XXXX | XXXX | 001471 | Rounding Method | None | |||
| XXXX | XXXX | XXXX | 001473 | Borrower Full Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001531 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001531 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001531 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001531 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001531 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001531 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001535 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001535 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001535 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001535 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001535 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001535 | Borrower Middle Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001538 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001538 | Original Term | 304 | 360 | ||
| XXXX | XXXX | XXXX | 001538 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001538 | Amortization Type | Fixed | |||
| XXXX | XXXX | XXXX | 001538 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001530 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001530 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001530 | Original Term | 214 | 360 | ||
| XXXX | XXXX | XXXX | 001530 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001530 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001530 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001530 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001530 | Borrower Middle Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001516 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001516 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001516 | Original Term | 318 | 84 | ||
| XXXX | XXXX | XXXX | 001516 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001516 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001516 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001516 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001516 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001516 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001539 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001539 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001539 | Purpose | Purchase | Refinance | ||
| XXXX | XXXX | XXXX | 001539 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 001539 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001539 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001490 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001490 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001490 | State | XX | |||
| XXXX | XXXX | XXXX | 001490 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001490 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001490 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001490 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001490 | Original Term | 361 | |||
| XXXX | XXXX | XXXX | 001490 | Amortization Type | Fixed | |||
| XXXX | XXXX | XXXX | 001490 | Property Type | Single Family | |||
| XXXX | XXXX | XXXX | 001490 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 001490 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001490 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001478 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001478 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001478 | State | XX | |||
| XXXX | XXXX | XXXX | 001478 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001478 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001478 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001478 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001478 | Original Term | 360 | |||
| XXXX | XXXX | XXXX | 001478 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001478 | Amortization Type | Fixed | |||
| XXXX | XXXX | XXXX | 001478 | Property Type | Single Family | |||
| XXXX | XXXX | XXXX | 001478 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 001478 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001478 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001479 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001479 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001479 | State | XX | |||
| XXXX | XXXX | XXXX | 001479 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001479 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001479 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001479 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001479 | Original Term | 360 | |||
| XXXX | XXXX | XXXX | 001479 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001479 | Amortization Type | Fixed | |||
| XXXX | XXXX | XXXX | 001479 | Property Type | Single Family | |||
| XXXX | XXXX | XXXX | 001479 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 001479 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001479 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001480 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001480 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001480 | Original Term | 360 | 121 | ||
| XXXX | XXXX | XXXX | 001480 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001480 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 001480 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001483 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001483 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001483 | State | XX | |||
| XXXX | XXXX | XXXX | 001483 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001483 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001483 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001483 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001483 | Original Term | 360 | |||
| XXXX | XXXX | XXXX | 001483 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001483 | Amortization Type | Fixed | |||
| XXXX | XXXX | XXXX | 001483 | Property Type | Single Family | |||
| XXXX | XXXX | XXXX | 001483 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 001483 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001483 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001485 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001485 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001485 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001485 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001485 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001486 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001486 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001486 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001487 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001487 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001487 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 001487 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001488 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001488 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001488 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001488 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001488 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001488 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001491 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001493 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001493 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001493 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001493 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001493 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001493 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001494 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001494 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001494 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001494 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001494 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001498 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001498 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001498 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001498 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001498 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001498 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001500 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001500 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001500 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001500 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001500 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001500 | Property Type | Single Family | 3 Family | ||
| XXXX | XXXX | XXXX | 001500 | # of Units | 1 | 3 | ||
| XXXX | XXXX | XXXX | 001500 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001502 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001502 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001502 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001502 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001502 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001502 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001528 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001528 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001528 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001528 | Original Term | 360 | |||
| XXXX | XXXX | XXXX | 001528 | Interest Only | 0 | |||
| XXXX | XXXX | XXXX | 001528 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001536 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001536 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001536 | State | XX | |||
| XXXX | XXXX | XXXX | 001536 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001536 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001536 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001536 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001536 | Original Term | 361 | |||
| XXXX | XXXX | XXXX | 001536 | Amortization Type | Fixed | |||
| XXXX | XXXX | XXXX | 001536 | Property Type | Single Family | |||
| XXXX | XXXX | XXXX | 001536 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 001536 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001536 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001489 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001489 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001489 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001489 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001489 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001489 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001496 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001496 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001496 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001496 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001496 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001496 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001499 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001499 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001499 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001499 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001499 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001499 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001504 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001504 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001504 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001504 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001504 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001504 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001505 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001505 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001505 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001505 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001505 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001505 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001506 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001506 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001506 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001506 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001506 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001506 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001507 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001507 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001507 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001507 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001507 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001507 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001507 | Property Type | Single Family | 3 Family | ||
| XXXX | XXXX | XXXX | 001507 | # of Units | 1 | 3 | ||
| XXXX | XXXX | XXXX | 001507 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001511 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001511 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001511 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001511 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001511 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001511 | Property Type | Single Family | 2 Family | ||
| XXXX | XXXX | XXXX | 001511 | # of Units | 1 | 2 | ||
| XXXX | XXXX | XXXX | 001511 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001529 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001529 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001529 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001529 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001529 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001529 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001529 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001492 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001492 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001492 | State | XX | |||
| XXXX | XXXX | XXXX | 001492 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001492 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001492 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001492 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001492 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001492 | Property Type | Multi Family | |||
| XXXX | XXXX | XXXX | 001492 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001492 | # of Units | 2 | |||
| XXXX | XXXX | XXXX | 001492 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001495 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001495 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001495 | State | XX | |||
| XXXX | XXXX | XXXX | 001495 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001495 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001495 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001495 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001495 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001495 | Property Type | Multi Family | |||
| XXXX | XXXX | XXXX | 001495 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001495 | # of Units | 2 | |||
| XXXX | XXXX | XXXX | 001495 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001501 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001501 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001501 | Original Term | 361 | 360 | ||
| XXXX | XXXX | XXXX | 001501 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001501 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001501 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001527 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001527 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001527 | State | XX | |||
| XXXX | XXXX | XXXX | 001527 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001527 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001527 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001527 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001527 | Original Term | 360 | 121 | ||
| XXXX | XXXX | XXXX | 001527 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001527 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001527 | Property Type | Multi Family | |||
| XXXX | XXXX | XXXX | 001527 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001527 | # of Units | 3 | |||
| XXXX | XXXX | XXXX | 001527 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001508 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001509 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001509 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001509 | State | XX | |||
| XXXX | XXXX | XXXX | 001509 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001509 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001509 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001509 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001509 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001509 | Property Type | Multi Family | |||
| XXXX | XXXX | XXXX | 001509 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001509 | # of Units | 2 | |||
| XXXX | XXXX | XXXX | 001509 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001510 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001510 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001510 | State | XX | |||
| XXXX | XXXX | XXXX | 001510 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001510 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001510 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001510 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001510 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001510 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001510 | Property Type | Multi Family | |||
| XXXX | XXXX | XXXX | 001510 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001510 | # of Units | 2 | |||
| XXXX | XXXX | XXXX | 001510 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001484 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001484 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001484 | State | XX | |||
| XXXX | XXXX | XXXX | 001484 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001484 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001484 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001484 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001484 | Original Term | 361 | 360 | ||
| XXXX | XXXX | XXXX | 001484 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001484 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001484 | Property Type | Multi Family | |||
| XXXX | XXXX | XXXX | 001484 | Interest Only | 0 | |||
| XXXX | XXXX | XXXX | 001484 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001484 | # of Units | 2 | |||
| XXXX | XXXX | XXXX | 001484 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001481 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001481 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001481 | State | XX | |||
| XXXX | XXXX | XXXX | 001481 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001481 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001481 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001481 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001481 | Original Term | 360 | 120 | ||
| XXXX | XXXX | XXXX | 001481 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001481 | Property Type | Multi Family | |||
| XXXX | XXXX | XXXX | 001481 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001481 | # of Units | 5 | |||
| XXXX | XXXX | XXXX | 001481 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001482 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001482 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001482 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001512 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001512 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001512 | State | XX | |||
| XXXX | XXXX | XXXX | 001512 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001512 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001512 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001512 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001512 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001512 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001512 | Property Type | Multi Family | |||
| XXXX | XXXX | XXXX | 001512 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001512 | # of Units | 2 | |||
| XXXX | XXXX | XXXX | 001512 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001514 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001514 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001514 | State | XX | |||
| XXXX | XXXX | XXXX | 001514 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001514 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001514 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001514 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001514 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001514 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001514 | Property Type | Multi Family | |||
| XXXX | XXXX | XXXX | 001514 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001514 | # of Units | 2 | |||
| XXXX | XXXX | XXXX | 001514 | Product Description | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | XXXX | 001431 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001431 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001431 | Interest Only | 1 | ||
| XXXX | XXXX | XXXX | XXXX | 001431 | Purpose | Refinance | ||
| XXXX | XXXX | XXXX | XXXX | 001431 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 001431 | Payment Change Frequency | 12 | 6 | |
| XXXX | XXXX | XXXX | XXXX | 001431 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001429 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001429 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001429 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001429 | Interest Collection Type | Daily Simple | In Arrears | |
| XXXX | XXXX | XXXX | XXXX | 001429 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001429 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001429 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001336 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001336 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001336 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001336 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001336 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001336 | Purpose | Refinance | ||
| XXXX | XXXX | XXXX | XXXX | 001336 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001336 | Interest Collection Type | In Arrears | ||
| XXXX | XXXX | XXXX | XXXX | 001336 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001336 | Refi Purpose | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | XXXX | 001336 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001337 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001337 | Appraisal Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001337 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001337 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001430 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001430 | Interest Only Period | 120 | ||
| XXXX | XXXX | XXXX | XXXX | 001430 | Interest Rate Periodic Cap | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001430 | Mortgage Type | Conventional without MI | ||
| XXXX | XXXX | XXXX | XXXX | 001430 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001430 | Payment Adjustment Cap % | 0 | ||
| XXXX | XXXX | XXXX | XXXX | 001430 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001430 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001325 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001324 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001324 | LTV Valuation Value | 101000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 001323 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001322 | Property Type | Multi Family | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001322 | Occupancy | Primary | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001322 | Purpose | Purchase | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001322 | Refi Purpose | UTD | ||
| XXXX | XXXX | XXXX | XXXX | 001322 | LTV Valuation Value | 137000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 001426 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001426 | Mortgage Type | Conventional without MI | ||
| XXXX | XXXX | XXXX | XXXX | 001426 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | |
| XXXX | XXXX | XXXX | XXXX | 001427 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001328 | Mortgage Type | Conventional without MI | ||
| XXXX | XXXX | XXXX | XXXX | 001330 | Mortgage Type | Conventional with MI | Conventional without MI | |
| XXXX | XXXX | XXXX | XXXX | 001330 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001428 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001428 | Property Type | Single Family Detached | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001428 | Occupancy | Primary | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001428 | Purpose | Refinance | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001428 | Refi Purpose | Rate/Term | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001428 | LTV Valuation Value | 141000.00 | ||
| XXXX | XXXX | XXXX | XXXX | 001428 | Borrower Full Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | 001457 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001457 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001457 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001457 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001457 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 000594 | Cash To Borrower | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000594 | Borrower FTHB | 1 | 0 | ||
| XXXX | XXXX | XXXX | 001450 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001450 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001450 | Refi Purpose | Cash-out - Other | |||
| XXXX | XXXX | XXXX | 001449 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001449 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001449 | State | XX | |||
| XXXX | XXXX | XXXX | 001449 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001449 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001449 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001449 | Property Type | Single Family | |||
| XXXX | XXXX | XXXX | 001449 | Prepayment Penalty Period (months) | 60 | |||
| XXXX | XXXX | XXXX | 001449 | LTV Valuation Value | 637000.00 | |||
| XXXX | XXXX | XXXX | 001452 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001452 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001452 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001452 | Cash From Borrower | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001452 | LTV Valuation Value | 570000.00 | 580000.00 | ||
| XXXX | XXXX | XXXX | 001448 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001448 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001448 | Prepayment Penalty Period (months) | 60 | |||
| XXXX | XXXX | XXXX | 001451 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001451 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001451 | Refi Purpose | Cash-out | Rate/Term | ||
| XXXX | XXXX | XXXX | 001447 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001447 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001446 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001446 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001446 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 001446 | Prepayment Penalty Period (months) | 60 | |||
| XXXX | XXXX | XXXX | 001445 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001445 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001445 | Prepayment Penalty Period (months) | 60 | |||
| XXXX | XXXX | XXXX | 001445 | Cash From Borrower | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001454 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001454 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001454 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 000361 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000361 | Amortization Term | 651 | 360 | ||
| XXXX | XXXX | XXXX | 000361 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000361 | Occupancy | Primary | UTD | ||
| XXXX | XXXX | XXXX | 000361 | Purpose | Purchase | Refinance | ||
| XXXX | XXXX | XXXX | 000361 | Refi Purpose | Cash-out - Debt Consolidation | |||
| XXXX | XXXX | XXXX | XXXX | 000778 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000778 | Original Term | 548 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000778 | Amortization Term | 548 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000778 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000778 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000778 | Balloon Flag | 1 | 0 | |
| XXXX | XXXX | XXXX | XXXX | 000593 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000593 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000351 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000351 | Credit Report Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000351 | PMI Coverage % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000351 | PMI Lender Paid MI % | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001412 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001412 | Balloon Flag | 1 | 0 | |
| XXXX | XXXX | XXXX | XXXX | 001412 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001389 | City | XXXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001389 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001395 | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001395 | Doc Type | UTD | Reduced | |
| XXXX | XXXX | XXXX | XXXX | 001395 | # of Units | 2 | 1 | |
| XXXX | XXXX | XXXX | XXXX | 001395 | Original CLTV | 0.8 | 79.36 | |
| XXXX | XXXX | XXXX | XXXX | 001395 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001395 | LTV Valuation Value | 93250.00 | 94000.00 | |
| XXXX | XXXX | XXXX | XXXX | 001395 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | XXXX | 001393 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001393 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001411 | Note Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001411 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001411 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001415 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001415 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001415 | Refi Purpose | UTD | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 001415 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001388 | Purpose | Refinance | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 001388 | Doc Type | Full | 2yr Full Doc | |
| XXXX | XXXX | XXXX | XXXX | 001388 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001388 | Refi Purpose | Cash-out | ||
| XXXX | XXXX | XXXX | XXXX | 001413 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001413 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001413 | Refi Purpose | UTD | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001413 | Original CLTV | 42.7 | ||
| XXXX | XXXX | XXXX | XXXX | 001413 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001413 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001398 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001398 | Amortization Term | 360 | ||
| XXXX | XXXX | XXXX | XXXX | 001398 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001398 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001398 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001390 | Purpose | Refinance | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 001390 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001390 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001390 | Refi Purpose | Cash-out | ||
| XXXX | XXXX | XXXX | XXXX | 001417 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001417 | Refi Purpose | UTD | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 001417 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001399 | Original Term | 555 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001399 | Amortization Term | 555 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001399 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001399 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001399 | Refi Purpose | UTD | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 001399 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001409 | Refi Purpose | UTD | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001409 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001387 | Purpose | Refinance | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 001387 | Doc Type | Full | 2yr Full Doc | |
| XXXX | XXXX | XXXX | XXXX | 001387 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001387 | Refi Purpose | Cash-out | ||
| XXXX | XXXX | XXXX | XXXX | 001394 | Amortization Term | 323 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001394 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001403 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001403 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001403 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001416 | Original Term | 364 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001416 | Amortization Term | 364 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001416 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001416 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001416 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001416 | Original CLTV | 51.54 | ||
| XXXX | XXXX | XXXX | XXXX | 001416 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001416 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001410 | Refi Purpose | UTD | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 001410 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001404 | Original Term | 506 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001404 | Amortization Term | 506 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001404 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001404 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001404 | Original CLTV | 84.44 | 95 | |
| XXXX | XXXX | XXXX | XXXX | 001404 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001404 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001402 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001402 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001385 | Doc Type | Full | UTD | |
| XXXX | XXXX | XXXX | XXXX | 001385 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001418 | Borrower First Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001418 | Refi Purpose | UTD | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001418 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001419 | Original Term | 517 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001419 | Amortization Term | 517 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001419 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001419 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001419 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001419 | Original CLTV | 100 | 90 | |
| XXXX | XXXX | XXXX | XXXX | 001419 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001419 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001392 | Doc Type | Full | 2yr Full Doc | |
| XXXX | XXXX | XXXX | XXXX | 001392 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001422 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001422 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001422 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001407 | Original Term | 494 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001407 | Amortization Term | 494 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001407 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001407 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001407 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001407 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001408 | Borrower Last Name | XXXX | XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001408 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001423 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001423 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001423 | Refi Purpose | UTD | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001400 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001400 | Original Term | 547 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001400 | Amortization Term | 547 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001400 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001400 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001400 | Original CLTV | 93.94 | 95 | |
| XXXX | XXXX | XXXX | XXXX | 001400 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001400 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001397 | Amortization Term | 360 | ||
| XXXX | XXXX | XXXX | XXXX | 001397 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001397 | Refi Purpose | UTD | Cash-out - Other | |
| XXXX | XXXX | XXXX | XXXX | 001397 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001420 | Original CLTV | 75.56 | 80 | |
| XXXX | XXXX | XXXX | XXXX | 001420 | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | XXXX | 001420 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001401 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001401 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001401 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001391 | Doc Type | Full | 2yr Full Doc | |
| XXXX | XXXX | XXXX | XXXX | 001391 | Appraised Value | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 001386 | Purpose | Refinance | Purchase | |
| XXXX | XXXX | XXXX | XXXX | 001386 | Doc Type | Full | 2yr Full Doc | |
| XXXX | XXXX | XXXX | XXXX | 001386 | Refi Purpose | Cash-out | ||
| XXXX | XXXX | XXXX | XXXX | 001424 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001424 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001406 | Original Term | 497 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001406 | Amortization Term | 497 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001406 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 001406 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001406 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001414 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001414 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001396 | Amortization Term | 338 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 001396 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001421 | Zip | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001421 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001421 | Refi Purpose | UTD | Rate/Term | |
| XXXX | XXXX | XXXX | XXXX | 001421 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | XXXX | 001405 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 001405 | PMI Company | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 001405 | MERS Min Number | XXXXXXX-XXXXXXXXXX-X | XXXXXXX-XXXXXXXXXX-X | |
| XXXX | XXXX | XXXX | 001554 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001554 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001554 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001555 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001555 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001555 | # of Units | 2 | 1 | ||
| XXXX | XXXX | XXXX | 001555 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001556 | Coborrower First Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001556 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001556 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001556 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001556 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001542 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001542 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001542 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001543 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001543 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001543 | State | XX | |||
| XXXX | XXXX | XXXX | 001543 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001543 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001543 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001543 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001543 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001543 | Amortization Type | Fixed | |||
| XXXX | XXXX | XXXX | 001543 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001543 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 001543 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 001543 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001543 | # of Units | 1 | |||
| XXXX | XXXX | XXXX | 001543 | Refi Purpose | Cash-out | |||
| XXXX | XXXX | XXXX | 001543 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001544 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001545 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001545 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001545 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001546 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001546 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001546 | # of Units | 2 | 1 | ||
| XXXX | XXXX | XXXX | 001546 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001546 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001547 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001547 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001547 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001548 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001549 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001549 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001550 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001550 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001550 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001551 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001551 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001552 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001553 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001553 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001553 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001557 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001557 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001557 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001557 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001558 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001559 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001560 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001560 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001561 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001561 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001561 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001561 | Refi Purpose | Rate/Term | Cash-out - Other | ||
| XXXX | XXXX | XXXX | 001562 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001562 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001563 | Representative FICO | XXX | XXX | ||
| XXXX | XXXX | XXXX | 001563 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001563 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001564 | PMI Company | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001564 | PMI Coverage % | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001567 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001664 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001691 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001691 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001801 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001625 | XXXX | Original Loan Amount | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | 001625 | XXXX | Property Type | Single Family Detached | PUD | |
| XXXX | XXXX | XXXX | 001625 | XXXX | Original CLTV | 65 | 72.5 | |
| XXXX | XXXX | XXXX | 001625 | XXXX | Original LTV | XX | XX | |
| XXXX | XXXX | XXXX | 001625 | XXXX | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | |
| XXXX | XXXX | XXXX | 001582 | XXXX | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | 001729 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001729 | Appraisal Effective Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000100 | Original Term | 155 | 360 | ||
| XXXX | XXXX | XXXX | 000006 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000006 | Borrower First Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000006 | Original Term | 117 | 360 | ||
| XXXX | XXXX | XXXX | 000006 | Occupancy | UTD | Primary | ||
| XXXX | XXXX | XXXX | 000258 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000258 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000258 | State | XX | |||
| XXXX | XXXX | XXXX | 000258 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000258 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000258 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000258 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000258 | Original Term | 348 | |||
| XXXX | XXXX | XXXX | 000258 | Property Type | Single Family | |||
| XXXX | XXXX | XXXX | 000258 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 000258 | Occupancy | UTD | |||
| XXXX | XXXX | XXXX | 000258 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000258 | LTV Valuation Value | 222000.00 | |||
| XXXX | XXXX | XXXX | 000265 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000265 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000265 | State | XX | |||
| XXXX | XXXX | XXXX | 000265 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000265 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000265 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000265 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000265 | Original Term | 468 | |||
| XXXX | XXXX | XXXX | 000265 | Property Type | Single Family | |||
| XXXX | XXXX | XXXX | 000265 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 000265 | Occupancy | UTD | |||
| XXXX | XXXX | XXXX | 000265 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000265 | LTV Valuation Value | 410000.00 | |||
| XXXX | XXXX | XXXX | 000268 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000268 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000268 | State | XX | |||
| XXXX | XXXX | XXXX | 000268 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000268 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000268 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000268 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000268 | Original Term | 535 | |||
| XXXX | XXXX | XXXX | 000268 | Property Type | Single Family | |||
| XXXX | XXXX | XXXX | 000268 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 000268 | Occupancy | UTD | |||
| XXXX | XXXX | XXXX | 000268 | Purpose | Refinance | |||
| XXXX | XXXX | XXXX | 000268 | LTV Valuation Value | 200000.00 | |||
| XXXX | XXXX | XXXX | 001783 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001783 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001783 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001783 | Original P&I | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001783 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 001736 | Investor: Qualifying Total Debt Ratio | XX.XXX | XX.XXX | ||
| XXXX | XXXX | XXXX | 001881 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001880 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001880 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001880 | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | ||
| XXXX | XXXX | XXXX | 001883 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001882 | Original LTV | XX | XX | ||
| XXXX | XXXX | XXXX | 001884 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000985 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000985 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000985 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000985 | Amortization Term | 628 | 300 | ||
| XXXX | XXXX | XXXX | 000985 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000985 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000985 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000985 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000985 | Margin | -0.51 | |||
| XXXX | XXXX | XXXX | 000985 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000985 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000985 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000985 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001095 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001095 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001095 | Amortization Term | 535 | 240 | ||
| XXXX | XXXX | XXXX | 001095 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001095 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000990 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000990 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000990 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000990 | Amortization Term | 293 | 300 | ||
| XXXX | XXXX | XXXX | 000990 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000990 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000990 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 000990 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000990 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000990 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000990 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000843 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000843 | Amortization Term | 496 | 360 | ||
| XXXX | XXXX | XXXX | 000843 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000902 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000902 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000902 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000902 | Amortization Term | 359 | 360 | ||
| XXXX | XXXX | XXXX | 000902 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000902 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000902 | Margin | 1.99 | |||
| XXXX | XXXX | XXXX | 000902 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000902 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000902 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000902 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001126 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001126 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001126 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001126 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001126 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001126 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001126 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 001126 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001126 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001126 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001126 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001126 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001010 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001010 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001010 | Amortization Term | 608 | 300 | ||
| XXXX | XXXX | XXXX | 001010 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001010 | Property Type | Single Family | Raw Land/Other Non-Res Prop | ||
| XXXX | XXXX | XXXX | 001010 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001010 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001010 | Margin | -0.51 | |||
| XXXX | XXXX | XXXX | 001010 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001010 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001010 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001010 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001010 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001093 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001093 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001093 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001093 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001093 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001093 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001093 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001093 | Margin | -1.01 | |||
| XXXX | XXXX | XXXX | 001093 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001093 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001093 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001093 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001093 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001159 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001159 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001159 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001159 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001159 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001159 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001159 | Margin | 0.5 | |||
| XXXX | XXXX | XXXX | 001159 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001159 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001159 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001159 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001159 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000861 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000861 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000861 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000861 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000861 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000861 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000861 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000861 | Margin | 4 | |||
| XXXX | XXXX | XXXX | 000861 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000861 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000861 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000861 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000940 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000940 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000940 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000940 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000940 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000940 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000940 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000940 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000940 | Margin | -1.01 | |||
| XXXX | XXXX | XXXX | 000940 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000940 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000940 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000940 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000940 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000906 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000906 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000906 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000906 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000906 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000906 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000906 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000906 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000906 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 000906 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000906 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000906 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000906 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000870 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000870 | Amortization Term | 510 | 360 | ||
| XXXX | XXXX | XXXX | 000870 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000870 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000870 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000841 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000841 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000841 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000841 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000841 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000841 | Amortization Term | 503 | 240 | ||
| XXXX | XXXX | XXXX | 000841 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000841 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000841 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000966 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000966 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000966 | Amortization Term | 321 | 300 | ||
| XXXX | XXXX | XXXX | 000966 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000966 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000966 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000695 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000695 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000695 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000695 | Amortization Term | 774 | 360 | ||
| XXXX | XXXX | XXXX | 000695 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000695 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000695 | Property Type | UTD | |||
| XXXX | XXXX | XXXX | 000695 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000695 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000695 | Margin | 0.25 | |||
| XXXX | XXXX | XXXX | 000695 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000695 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000695 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000695 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000710 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000710 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000710 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000710 | Amortization Term | 752 | 360 | ||
| XXXX | XXXX | XXXX | 000710 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000710 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000710 | Property Type | 2 Family | |||
| XXXX | XXXX | XXXX | 000710 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000710 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000710 | Margin | -0.25 | |||
| XXXX | XXXX | XXXX | 000710 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000710 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000710 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000710 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000953 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000953 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000953 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000953 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000953 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000953 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000953 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000953 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 000953 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000953 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000953 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001059 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001059 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001059 | Amortization Term | 661 | 240 | ||
| XXXX | XXXX | XXXX | 001059 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001059 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001059 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001306 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001306 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001306 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001306 | Amortization Term | 602 | 360 | ||
| XXXX | XXXX | XXXX | 001306 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001306 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001073 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001073 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001073 | Amortization Term | 471 | 240 | ||
| XXXX | XXXX | XXXX | 001073 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001073 | Property Type | Multi Family | UTD | ||
| XXXX | XXXX | XXXX | 001073 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000515 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000515 | Amortization Term | 348 | 360 | ||
| XXXX | XXXX | XXXX | 000515 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000515 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000515 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000515 | Margin | 5.55 | |||
| XXXX | XXXX | XXXX | 000515 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000515 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000515 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000515 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001014 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001014 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001014 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001014 | Amortization Term | 299 | 300 | ||
| XXXX | XXXX | XXXX | 001014 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001014 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001014 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001014 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001014 | Margin | 0.24 | |||
| XXXX | XXXX | XXXX | 001014 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001014 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001014 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001014 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001075 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001075 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001075 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001075 | Amortization Term | 229 | 120 | ||
| XXXX | XXXX | XXXX | 001075 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001044 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001044 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001044 | Amortization Term | 613 | 360 | ||
| XXXX | XXXX | XXXX | 001044 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001044 | Property Type | Condo | PUD Attached | ||
| XXXX | XXXX | XXXX | 000700 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000700 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000700 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000700 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000700 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000700 | Property Type | Single Family Detached | |||
| XXXX | XXXX | XXXX | 000700 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000700 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000700 | Margin | 0.5 | |||
| XXXX | XXXX | XXXX | 000700 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000700 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000700 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000700 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000700 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000693 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000693 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000693 | Property Type | UTD | |||
| XXXX | XXXX | XXXX | 000693 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000464 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000464 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000464 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000464 | Amortization Term | 396 | 240 | ||
| XXXX | XXXX | XXXX | 000464 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000464 | Property Type | Mobile Home | Manufactured Housing | ||
| XXXX | XXXX | XXXX | 001088 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001088 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001088 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 001088 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001307 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001307 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001307 | Amortization Term | 630 | 360 | ||
| XXXX | XXXX | XXXX | 001307 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001307 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001307 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001009 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001009 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001009 | Amortization Term | 640 | 120 | ||
| XXXX | XXXX | XXXX | 001009 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001009 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001009 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001009 | Lien Position | 2 | 1 | ||
| XXXX | XXXX | XXXX | 001009 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001009 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001009 | Margin | 3.125 | |||
| XXXX | XXXX | XXXX | 001009 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001009 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001009 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001009 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001104 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001104 | Amortization Term | 503 | 360 | ||
| XXXX | XXXX | XXXX | 001104 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001104 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001104 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000134 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000134 | Amortization Term | 609 | 360 | ||
| XXXX | XXXX | XXXX | 000134 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000890 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000890 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000890 | Amortization Term | 680 | 240 | ||
| XXXX | XXXX | XXXX | 000890 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000890 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001031 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001031 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001031 | Amortization Term | 481 | 360 | ||
| XXXX | XXXX | XXXX | 001031 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001031 | Property Type | PUD | UTD | ||
| XXXX | XXXX | XXXX | 001031 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001438 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001438 | Amortization Term | 367 | 240 | ||
| XXXX | XXXX | XXXX | 001438 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001438 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000509 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000509 | Amortization Term | 348 | 360 | ||
| XXXX | XXXX | XXXX | 000707 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000707 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000707 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000707 | Amortization Term | 757 | 360 | ||
| XXXX | XXXX | XXXX | 000707 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000707 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000707 | Property Type | UTD | |||
| XXXX | XXXX | XXXX | 000707 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000707 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000707 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 000707 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000707 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000707 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000981 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000981 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000981 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000981 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000981 | Amortization Term | 360 | 240 | ||
| XXXX | XXXX | XXXX | 000981 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000981 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000981 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000981 | Margin | 4 | |||
| XXXX | XXXX | XXXX | 000981 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000981 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000981 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000981 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001007 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001007 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001007 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001007 | Amortization Term | 553 | 180 | ||
| XXXX | XXXX | XXXX | 001007 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001007 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001007 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001007 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001007 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001007 | Margin | -0.5 | |||
| XXXX | XXXX | XXXX | 001007 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001007 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001007 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000978 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000978 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000978 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000978 | Amortization Term | 507 | 300 | ||
| XXXX | XXXX | XXXX | 000978 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000978 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000978 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000504 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000504 | Amortization Term | 348 | 360 | ||
| XXXX | XXXX | XXXX | 000562 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000562 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000562 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000562 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000562 | Amortization Term | 348 | 360 | ||
| XXXX | XXXX | XXXX | 000562 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000562 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001439 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001439 | Amortization Term | 484 | 240 | ||
| XXXX | XXXX | XXXX | 001439 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001439 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000098 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000098 | Amortization Term | 348 | 360 | ||
| XXXX | XXXX | XXXX | 000098 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000098 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000098 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000098 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000098 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000098 | Margin | 6.86 | |||
| XXXX | XXXX | XXXX | 000098 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000098 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000098 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000098 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000098 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001094 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001094 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001094 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001094 | Amortization Term | 677 | 240 | ||
| XXXX | XXXX | XXXX | 001094 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001094 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000844 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000844 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000844 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000844 | Amortization Term | 286 | 180 | ||
| XXXX | XXXX | XXXX | 000844 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000844 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000844 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000702 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000702 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000702 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000702 | Amortization Term | 765 | 360 | ||
| XXXX | XXXX | XXXX | 000702 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000702 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000702 | Property Type | Single Family Detached | |||
| XXXX | XXXX | XXXX | 000702 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000702 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000702 | Margin | 0.25 | |||
| XXXX | XXXX | XXXX | 000702 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000702 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000702 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000702 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000692 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000692 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000692 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000692 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000692 | Amortization Term | 371 | 120 | ||
| XXXX | XXXX | XXXX | 000692 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000692 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000692 | Property Type | UTD | |||
| XXXX | XXXX | XXXX | 000692 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000692 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000692 | Margin | 1.375 | |||
| XXXX | XXXX | XXXX | 000692 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000692 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000692 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000439 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000439 | Amortization Term | 351 | 360 | ||
| XXXX | XXXX | XXXX | 000439 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000439 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000439 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000439 | Margin | 6.5 | |||
| XXXX | XXXX | XXXX | 000439 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000439 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000439 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000439 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000439 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000698 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000698 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000698 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000698 | Amortization Term | 773 | 360 | ||
| XXXX | XXXX | XXXX | 000698 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000698 | Property Type | Single Family Detached | |||
| XXXX | XXXX | XXXX | 000698 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000878 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000878 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000878 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000878 | Amortization Term | 571 | 180 | ||
| XXXX | XXXX | XXXX | 000878 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000878 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000878 | Margin | 6.24 | |||
| XXXX | XXXX | XXXX | 000878 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000878 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000878 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000878 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000690 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000690 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000690 | Amortization Term | 661 | 360 | ||
| XXXX | XXXX | XXXX | 000690 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000690 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000690 | Property Type | UTD | |||
| XXXX | XXXX | XXXX | 000690 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000690 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000690 | Margin | 1.125 | |||
| XXXX | XXXX | XXXX | 000690 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000690 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000690 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000690 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000570 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000570 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000570 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000570 | Amortization Term | 350 | 360 | ||
| XXXX | XXXX | XXXX | 000570 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000570 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000570 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000570 | Margin | 6.8 | |||
| XXXX | XXXX | XXXX | 000570 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000570 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000570 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000570 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000570 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000543 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000543 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000543 | Amortization Term | 348 | 360 | ||
| XXXX | XXXX | XXXX | 000543 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000543 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000543 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000543 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001076 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001076 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001076 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001076 | Amortization Term | 498 | 360 | ||
| XXXX | XXXX | XXXX | 001076 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001076 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000867 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000867 | Amortization Term | 647 | 240 | ||
| XXXX | XXXX | XXXX | 000867 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000867 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000850 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000850 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000850 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000850 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000850 | Margin | 1 | |||
| XXXX | XXXX | XXXX | 000850 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000850 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000850 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000850 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000850 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000541 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000541 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000541 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000541 | Amortization Term | 650 | 360 | ||
| XXXX | XXXX | XXXX | 000541 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000875 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000875 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000875 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000875 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000875 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000875 | Margin | 2.29 | |||
| XXXX | XXXX | XXXX | 000875 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000875 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000875 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000875 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000942 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000942 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000942 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000942 | Amortization Term | 424 | 60 | ||
| XXXX | XXXX | XXXX | 000942 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000942 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000942 | Margin | -0.01 | |||
| XXXX | XXXX | XXXX | 000942 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000942 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000942 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000942 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001055 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001055 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001055 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001055 | Amortization Term | 479 | 180 | ||
| XXXX | XXXX | XXXX | 001055 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001055 | Property Type | Single Family | PUD Attached | ||
| XXXX | XXXX | XXXX | 001055 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001055 | Margin | 1.49 | |||
| XXXX | XXXX | XXXX | 001055 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001055 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001055 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001055 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001055 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001022 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001022 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001022 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001022 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001022 | Amortization Term | 423 | 60 | ||
| XXXX | XXXX | XXXX | 001022 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001022 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001022 | Margin | -0.75 | |||
| XXXX | XXXX | XXXX | 001022 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001022 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001022 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001022 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001022 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001058 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001058 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001058 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001058 | Amortization Term | 359 | 360 | ||
| XXXX | XXXX | XXXX | 001058 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001058 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001058 | Margin | 0.74 | |||
| XXXX | XXXX | XXXX | 001058 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001058 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001058 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001058 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000688 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000688 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000688 | Amortization Term | 712 | 204 | ||
| XXXX | XXXX | XXXX | 000688 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000688 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000688 | Property Type | UTD | |||
| XXXX | XXXX | XXXX | 000688 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000688 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000688 | Margin | 0.8 | |||
| XXXX | XXXX | XXXX | 000688 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000688 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000688 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001081 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001081 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001081 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001081 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001081 | Margin | 1.75 | |||
| XXXX | XXXX | XXXX | 001081 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001081 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001081 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001081 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001081 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000860 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000860 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000860 | Amortization Term | 214 | 120 | ||
| XXXX | XXXX | XXXX | 000860 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000860 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000860 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000860 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000860 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000860 | Margin | 3.875 | |||
| XXXX | XXXX | XXXX | 000860 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000860 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000860 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000860 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000860 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000837 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000837 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000837 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000837 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000837 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000837 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000837 | Margin | 1.25 | |||
| XXXX | XXXX | XXXX | 000837 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000837 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000837 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000837 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001175 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001175 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001175 | Amortization Term | 564 | 480 | ||
| XXXX | XXXX | XXXX | 001175 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001175 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001175 | Margin | 0.5 | |||
| XXXX | XXXX | XXXX | 001175 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001175 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001175 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001175 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001175 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000437 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000437 | Amortization Term | 348 | 360 | ||
| XXXX | XXXX | XXXX | 000437 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000437 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000437 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000437 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000437 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000437 | Margin | 5.5 | |||
| XXXX | XXXX | XXXX | 000437 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000437 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000437 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000437 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000133 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000133 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000133 | Amortization Term | 606 | 360 | ||
| XXXX | XXXX | XXXX | 000133 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000438 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000438 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000438 | Amortization Term | 351 | 360 | ||
| XXXX | XXXX | XXXX | 000438 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000438 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000438 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000438 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000438 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000438 | Margin | 5.375 | |||
| XXXX | XXXX | XXXX | 000438 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000438 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000438 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000438 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001136 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001136 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001136 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001136 | Amortization Term | 668 | 181 | ||
| XXXX | XXXX | XXXX | 001136 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001136 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000540 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000540 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000540 | Amortization Term | 356 | 360 | ||
| XXXX | XXXX | XXXX | 000540 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000540 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000540 | Margin | 6.5 | |||
| XXXX | XXXX | XXXX | 000540 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000540 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000540 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000540 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000540 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000015 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000015 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000015 | Amortization Term | 348 | 360 | ||
| XXXX | XXXX | XXXX | 000015 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 001099 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001099 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001099 | Amortization Term | 330 | 360 | ||
| XXXX | XXXX | XXXX | 001099 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001099 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 001099 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000876 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000876 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000876 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000876 | Amortization Term | 359 | 360 | ||
| XXXX | XXXX | XXXX | 000876 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000876 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 000876 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000876 | Margin | 2.49 | |||
| XXXX | XXXX | XXXX | 000876 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000876 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000876 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000876 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000441 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000441 | Amortization Term | 348 | 360 | ||
| XXXX | XXXX | XXXX | 000441 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000441 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000441 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000441 | Margin | 5.875 | |||
| XXXX | XXXX | XXXX | 000441 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000441 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000441 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000441 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000441 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000696 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000696 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000696 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000696 | Amortization Term | 774 | 360 | ||
| XXXX | XXXX | XXXX | 000696 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000696 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000696 | Property Type | PUD | |||
| XXXX | XXXX | XXXX | 000696 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000696 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000696 | Margin | 0.5 | |||
| XXXX | XXXX | XXXX | 000696 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000696 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000696 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000696 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001176 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001176 | Amortization Term | 662 | 360 | ||
| XXXX | XXXX | XXXX | 001176 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001176 | Property Type | PUD | UTD | ||
| XXXX | XXXX | XXXX | 001176 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000685 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000685 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000685 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000685 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000685 | Amortization Term | 302 | 300 | ||
| XXXX | XXXX | XXXX | 000685 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000685 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000685 | Property Type | UTD | |||
| XXXX | XXXX | XXXX | 000685 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000685 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000685 | Margin | 1.625 | |||
| XXXX | XXXX | XXXX | 000685 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000685 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000685 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000685 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000709 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000709 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000709 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000709 | Amortization Term | 753 | 360 | ||
| XXXX | XXXX | XXXX | 000709 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000709 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000709 | Property Type | Single Family Detached | |||
| XXXX | XXXX | XXXX | 000709 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000709 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000709 | Margin | 0.25 | |||
| XXXX | XXXX | XXXX | 000709 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000709 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000709 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000709 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000709 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000684 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000684 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000684 | Amortization Term | 491 | 300 | ||
| XXXX | XXXX | XXXX | 000684 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000684 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000684 | Property Type | Single Family Detached | |||
| XXXX | XXXX | XXXX | 000684 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000684 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000684 | Margin | 1.625 | |||
| XXXX | XXXX | XXXX | 000684 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000684 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000684 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000701 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000701 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000701 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000701 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000701 | Amortization Term | 767 | 360 | ||
| XXXX | XXXX | XXXX | 000701 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000701 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000701 | Property Type | UTD | |||
| XXXX | XXXX | XXXX | 000701 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000701 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000701 | Margin | 0.25 | |||
| XXXX | XXXX | XXXX | 000701 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000701 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000701 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000701 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000014 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000014 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000014 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000014 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000014 | Margin | 6.25 | |||
| XXXX | XXXX | XXXX | 000014 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000014 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000014 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000014 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000014 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000022 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000022 | Amortization Term | 348 | 360 | ||
| XXXX | XXXX | XXXX | 000022 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001021 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001021 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001021 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001021 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001021 | Amortization Term | 670 | 240 | ||
| XXXX | XXXX | XXXX | 001021 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001021 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001021 | Property Type | Single Family | PUD | ||
| XXXX | XXXX | XXXX | 001021 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001021 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001021 | Margin | 1.5 | |||
| XXXX | XXXX | XXXX | 001021 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001021 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001021 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001021 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000706 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000706 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000706 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000706 | Amortization Term | 757 | 360 | ||
| XXXX | XXXX | XXXX | 000706 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000706 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000706 | Property Type | UTD | |||
| XXXX | XXXX | XXXX | 000706 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000706 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000706 | Margin | 0.75 | |||
| XXXX | XXXX | XXXX | 000706 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000706 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000706 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000706 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000706 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000567 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000567 | Amortization Term | 620 | 480 | ||
| XXXX | XXXX | XXXX | 000567 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000567 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000567 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000567 | Margin | 3.79 | |||
| XXXX | XXXX | XXXX | 000567 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000567 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000567 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000567 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000561 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000561 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000561 | Amortization Term | 659 | 360 | ||
| XXXX | XXXX | XXXX | 000561 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000561 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000561 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000561 | Margin | 6.25 | |||
| XXXX | XXXX | XXXX | 000561 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000561 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000561 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000561 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000561 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000699 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000699 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000699 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000699 | Amortization Term | 359 | 360 | ||
| XXXX | XXXX | XXXX | 000699 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000699 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000699 | Property Type | Condo (Low Rise) | |||
| XXXX | XXXX | XXXX | 000699 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000699 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000699 | Margin | 0.75 | |||
| XXXX | XXXX | XXXX | 000699 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000699 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000699 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000699 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000705 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000705 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000705 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000705 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000705 | Amortization Term | 671 | 360 | ||
| XXXX | XXXX | XXXX | 000705 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000705 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000705 | Property Type | UTD | |||
| XXXX | XXXX | XXXX | 000705 | Lien Position | 1 | 2 | ||
| XXXX | XXXX | XXXX | 000705 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000705 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000705 | Margin | 1.25 | |||
| XXXX | XXXX | XXXX | 000705 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000705 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000705 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000705 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000705 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000708 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000708 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000708 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000708 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000708 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000708 | Property Type | Single Family Detached | |||
| XXXX | XXXX | XXXX | 000708 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000708 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000708 | Margin | 0 | |||
| XXXX | XXXX | XXXX | 000708 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000708 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000708 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000708 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000691 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000691 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000691 | Amortization Term | 276 | 204 | ||
| XXXX | XXXX | XXXX | 000691 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000691 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000691 | Property Type | UTD | |||
| XXXX | XXXX | XXXX | 000691 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000691 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000691 | Margin | -0.25 | |||
| XXXX | XXXX | XXXX | 000691 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000691 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000691 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000691 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000273 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000273 | Amortization Term | 348 | 360 | ||
| XXXX | XXXX | XXXX | 000273 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000273 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000273 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000273 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000273 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000273 | Margin | 3.45 | |||
| XXXX | XXXX | XXXX | 000273 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 000273 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000273 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000273 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000516 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000516 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000516 | Amortization Term | 351 | 360 | ||
| XXXX | XXXX | XXXX | 000516 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000516 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 000516 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000516 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000516 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000516 | Margin | 6.49 | |||
| XXXX | XXXX | XXXX | 000516 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000516 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000516 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000516 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000516 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001084 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001084 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001084 | Amortization Term | 569 | 300 | ||
| XXXX | XXXX | XXXX | 001084 | Amortization Type | Fixed | ARM | ||
| XXXX | XXXX | XXXX | 001084 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 001084 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001084 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001084 | Margin | -0.01 | |||
| XXXX | XXXX | XXXX | 001084 | Interest Rate Change Frequency | 1 | |||
| XXXX | XXXX | XXXX | 001084 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 001084 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001084 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000274 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000274 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000274 | State | XX | |||
| XXXX | XXXX | XXXX | 000274 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 000274 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000274 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000274 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 000274 | Amortization Term | 348 | |||
| XXXX | XXXX | XXXX | 000274 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000274 | Amortization Type | ARM | |||
| XXXX | XXXX | XXXX | 000274 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 000274 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000274 | Index Type | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000274 | Margin | 7.95 | |||
| XXXX | XXXX | XXXX | 000274 | Interest Rate Change Frequency | 6 | |||
| XXXX | XXXX | XXXX | 000274 | Interest Rate Life Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000274 | Interest Rate Periodic Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 000274 | Interest Rate Periodic Cap | XX | XX | ||
| XXXX | XXXX | XXXX | 000274 | Interest Rate Life Floor | XX | XX | ||
| XXXX | XXXX | XXXX | 001288 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001288 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001288 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001288 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001568 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001568 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 001568 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001569 | Borrower Last Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001569 | Coborrower Last Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001569 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000010 | Amortization Term | 348 | 360 | ||
| XXXX | XXXX | XXXX | 000010 | Property Type | Single Family | UTD | ||
| XXXX | XXXX | XXXX | 000010 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000009 | Amortization Term | 499 | 360 | ||
| XXXX | XXXX | XXXX | 000009 | Original Interest Rate | X.XXX | X.XXX | ||
| XXXX | XXXX | XXXX | 000009 | Property Type | Townhouse | PUD | ||
| XXXX | XXXX | XXXX | 000009 | Appraised Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 000673 | Property Type | Single Family Detached | PUD Attached | ||
| XXXX | XXXX | XXXX | 000673 | Borrower Full Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 000673 | Coborrower Full Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001285 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001285 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001287 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001287 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001287 | Borrower Full Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001287 | Coborrower Full Name | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001287 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001291 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001291 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001291 | Borrower Full Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001357 | Street | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001357 | City | XXXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001357 | State | XX | |||
| XXXX | XXXX | XXXX | 001357 | Zip | XXXXX | XXXXX | ||
| XXXX | XXXX | XXXX | 001357 | Note Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001357 | Original Loan Amount | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001357 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | ||
| XXXX | XXXX | XXXX | 001357 | Property Type | Single Family Detached | |||
| XXXX | XXXX | XXXX | 001357 | Lien Position | 1 | |||
| XXXX | XXXX | XXXX | 001357 | Purpose | Purchase | |||
| XXXX | XXXX | XXXX | 001357 | Borrower Full Name | XXXX | XXXX | ||
| XXXX | XXXX | XXXX | 001357 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | 001361 | Property Type | Single Family Detached | PUD | ||
| XXXX | XXXX | XXXX | 001361 | Appraisal As-Is Value | XXXX.XX | XXXX.XX | ||
| XXXX | XXXX | XXXX | XXXX | 000011 | Street | XXXXX | XXXXX | |
| XXXX | XXXX | XXXX | XXXX | 000011 | Original Term | 473 | 360 | |
| XXXX | XXXX | XXXX | XXXX | 000011 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | |
| XXXX | XXXX | XXXX | XXXX | 000011 | Original Interest Rate | X.XXX | X.XXX | |
| XXXX | XXXX | XXXX | XXXX | 000011 | Original P&I | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000011 | Representative FICO | XXX | XXX | |
| XXXX | XXXX | XXXX | XXXX | 000011 | Occupancy | Primary | ||
| XXXX | XXXX | XXXX | XXXX | 000011 | Purpose | Refinance | ||
| XXXX | XXXX | XXXX | XXXX | 000011 | Contract Sales Price | XXXX.XX | XXXX.XX | |
| XXXX | XXXX | XXXX | XXXX | 000011 | Refi Purpose | Cash-out - Debt Consolidation | ||
| XXXX | XXXX | XXXX | XXXX | 000011 | Payment Frequency | Monthly | ||