Nomura Asset Depositor Company, LLC ABS-15G
Exhibit 99.28
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | XXXX | 5941865 | Closed | 2022-04-19 17:18 | 2022-05-02 14:58 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Total of Payments Test | Resolved-client has submitted lender calculation sheet - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Unable to Resolve- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-The Lender Calculation provided does not cure the XXXX Total of Payments. Please provide documentation explaining TOP due to the sales price and loan amount reduced XX/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Counter-please see comments from XXXXX on XX/XX/XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-The Lender Calculation provided does not cure the XXXX Total of Payments. Please provide documentation explaining TOP due to the sales price and loan amount reduced XX/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Client provided XXXX Total of Payments Test document - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-please see lender calculations uploaded - Seller-XX/XX/XXXX Open-This loan failed the XXXX total of payments test. ( 12 CFR §1026.38(o)(1) )The total of payments is $XXXXXXXXXX.XX. The disclosed total of payments of $XXXXXXXXXX.XX is not considered accurate because it is understated by more than $XXX. The total of payments is $XXXXXXXXXX.XX. The disclosed total of payments of $XXXXXXXXXX.XX is not considered accurate because it is understated by more than $XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-This loan failed the XXXX total of payments test. ( 12 CFR §1026.38(o)(1) )The total of payments is $XXXXXXXXXX.XX. The disclosed total of payments of $XXXXXXXXXX.XX is not considered accurate because it is understated by more than $XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-please see lender calculations uploaded - Seller-XX/XX/XXXX |
Resolved-client has submitted lender calculation sheet - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Client provided XXXX Total of Payments Test document - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
CA | Primary Residence | Purchase | NA | 405523 | N/A | N/A | ||||
| XXXX | XXXX | 5941865 | Closed | 2022-04-26 11:37 | 2022-05-02 14:58 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-client has submitted lender calculation sheet - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Unable to Resolve- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open- The Lender Calculation provided does not cure the XXXX Finance Charge Test. All fees are entered accurately with the correct prepaid finances. Please provide detail information on the finance charges. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Counter- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Counter-The Lender Calculation provided does not cure the XXXX Finance Charge Test. All fees are entered accurately with the correct prepaid finances. Please provide detail information on the finance charges. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-please see lender calculations uploaded - Buyer-XX/XX/XXXX Ready for Review-Document Uploaded. please see lender calculations uploaded - Buyer-XX/XX/XXXX Open-This loan failed the XXXX finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $XXXXXXXXXX.XX. The disclosed finance charge of $XXXXXXXXXX.XX is not considered accurate because it is understated by more than $XXX. The finance charge is $XXXXXXXXXX.XX. The disclosed finance charge of $XXXXXXXXXX.XX is not considered accurate because it is understated by more than $XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-This loan failed the XXXX finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $XXXXXXXXXX.XX. The disclosed finance charge of $XXXXXXXXXX.XX is not considered accurate because it is understated by more than $XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-client has submitted lender calculation sheet - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXXX XXXXX Lender Calculation CD.pdf | CA | Primary Residence | Purchase | NA | 405519 | N/A | N/A | ||||
| XXXX | XXXX | 5941865 | Closed | 2022-04-26 11:37 | 2022-05-02 14:58 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA APR Test | Resolved-client has submitted lender calculation sheet - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Unable to Resolve- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-The Lender Calculation provided does not cure the XXXX APR Test. Please provide documentation explaining APR on this loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Counter-please see comments from XXXXX on XX/XX/XX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Counter-The Lender Calculation provided does not cure the XXXX APR Test. Please provide documentation explaining APR on this loan. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. please see lender calculations uploaded - Seller-XX/XX/XXXX Ready for Review-please see lender calculations uploaded - Buyer-XX/XX/XXXX Open-This loan failed the XXXX APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is X.XXX%. The disclosed APR of X.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method. The annual percentage rate (APR) is X.XXX%. The disclosed APR of X.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-This loan failed the XXXX APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is X.XXX%. The disclosed APR of X.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. please see lender calculations uploaded - Seller-XX/XX/XXXX |
Resolved-client has submitted lender calculation sheet - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXXX XXXXX Lender Calculation CD.pdf | CA | Primary Residence | Purchase | NA | 405518 | N/A | N/A | |||
| XXXX | XXXX | 5941865 | Closed | 2022-04-18 05:56 | 2022-04-26 13:18 | Resolved | 1 - Information | A | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Rescinded-This loan failed the revised closing disclosure delivery date test (waiting period required).( 12 CFR §1026.19(f)(2)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. All loan estimates and closing disclosures were electronically signed on the issue date and the final closing disclosure was signed in person on the issue date and the notary date. Finding is rescinded. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-This loan failed the revised closing disclosure delivery date test (waiting period required).( 12 CFR §1026.19(f)(2)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Rescinded-This loan failed the revised closing disclosure delivery date test (waiting period required).( 12 CFR §1026.19(f)(2)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. All loan estimates and closing disclosures were electronically signed on the issue date and the final closing disclosure was signed in person on the issue date and the notary date. Finding is rescinded. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
CA | Primary Residence | Purchase | NA | 405521 | N/A | N/A | |||||
| XXXX | XXXX | 5941865 | Closed | 2022-04-19 17:08 | 2022-04-20 13:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Client provided 1003 document uploaded - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. please see 1a and 4d of 1003 - Seller-XX/XX/XXXX Open-The Final 1003 is Incomplete Per LOE on file pg. 40 borrower current rental amount is $XXXX. Borrower received a Gift Fund in the amount of $XXXXXX from XXXXX checking #XXXX . See pg. 48 Gift Letter Please provide corrected Final 1003 with current rental expense in the amount of $XXXX in Section 1a. Personal Information as well update section 2b. Other assets adding the Gift Funds in the amount of $XXXXXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. please see 1a and 4d of 1003 - Seller-XX/XX/XXXX |
Resolved-Client provided 1003 document uploaded - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXXX XXXXX 1003.pdf | CA | Primary Residence | Purchase | NA | 402490 | N/A | N/A | |||
| XXXX | XXXX | 5941865 | Closed | 2022-04-19 13:58 | 2022-04-20 06:22 | Resolved | A | A | Data Edit | Data Edit | Level of Property Review on 1008 is not selected | Resolved-Waived by client grade 1 exception - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-please waive grade 1 exception - Buyer-XX/XX/XXXX Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Waived by client grade 1 exception - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
CA | Primary Residence | Purchase | NA | 402593 | N/A | N/A | ||||||
| XXXX | XXXX | 5941865 | Closed | 2022-04-19 13:58 | 2022-04-20 06:20 | Resolved | A | A | Data Edit | Data Edit | Risk Assessment on 1008 is not selected | Resolved-Waived by client grade 1 exception - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-please waive grade 1 exception - Seller-XX/XX/XXXX Open-Please select Risk Assessment on the 1008 - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-please waive grade 1 exception - Seller-XX/XX/XXXX |
Resolved-Waived by client grade 1 exception - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
CA | Primary Residence | Purchase | NA | 402587 | N/A | N/A | |||||
| XXXX | XXXX | 5941865 | Closed | 2022-04-19 13:48 | 2022-04-19 14:29 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Client provided hazard insurance document uploaded resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. hoi with RCE attached - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. hoi with RCE attached - Seller-XX/XX/XXXX |
Resolved-Client provided hazard insurance document uploaded resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXXX XXXXX HOI with RCE.pdf | CA | Primary Residence | Purchase | NA | 402585 | N/A | N/A | |||
| XXXX | XXXX | 5726693 | Closed | 2023-06-05 17:44 | 2023-06-20 16:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Final credit report provided - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. This is the credit report-Please clear this - Buyer-XX/XX/XXXX Ready for Review-Initial credit report is missing from the loan file, application date is on X/X/XX. The report in the file is the gap report date X/X/XX and closing was on X/X/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. YOur condition states we are missing the credit report. It was in the file. Why does this not work? - Buyer-XX/XX/XXXX Open-Borrower 1 Credit Report is Missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Borrower 1 Credit Report is not missing. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Final credit report provided - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
CREDIT_REPORT_XXXX-XX-XX_XXXXXXX, XXXX X.pdf X - CREDIT REPORT.pdf |
CA | Primary Residence | Purchase | NA | 994466 | N/A | N/A | ||||
| XXXX | XXXX | 5726693 | Closed | 2023-05-31 08:25 | 2023-05-31 08:31 | Resolved | 1 - Information | A | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX Open-This loan failed the XXXX closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |
CA | Primary Residence | Purchase | NA | 987668 | N/A | N/A | |||||
| XXXX | XXXX | 5726709 | Closed | 2023-09-18 02:48 | 2023-09-26 08:28 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-Updated supportive Document Condo Questionnaire, hence finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-HOA Questionnaire is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-HOA Questionnaire is Missing or Partial. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated supportive Document Condo Questionnaire, hence finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-HOA Questionnaire is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX- Condo docs.pdf | FL | Investment | Purchase | NA | 1160754 | N/A | N/A | |||
| XXXX | XXXX | 5726709 | Closed | 2023-09-18 05:28 | 2023-09-26 08:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-this is not a business purpose loan so this is not needed - Seller-XX/XX/XXXX Open-Business purpose affidavit is missing in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-this is not a business purpose loan so this is not needed - Seller-XX/XX/XXXX |
Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
FL | Investment | Purchase | NA | 1160911 | N/A | N/A | ||||
| XXXX | XXXX | 5726709 | Closed | 2023-09-18 06:44 | 2023-09-26 03:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Uploaded doc suffices the requirement. Hence resolved the condition - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Lender income calculation worksheet is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded doc suffices the requirement. Hence resolved the condition - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXX XXXXXX XXXXXXXXX.pdf | FL | Investment | Purchase | NA | 1160998 | N/A | N/A | |||
| XXXX | XXXX | 5726709 | Closed | 2023-09-18 02:23 | 2023-09-25 04:40 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Resolved, Verified & updated from provided fraud report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower 1 Gap Credit Report is not expired. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Listed on first page of fraud report - Seller-XX/XX/XXXX Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Listed on first page of fraud report - Seller-XX/XX/XXXX |
Resolved-Resolved, Verified & updated from provided fraud report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Resolved-Borrower 1 Gap Credit Report is not expired. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXX_XXXXXXXXXXX XXXX_XXXX-XX-XX.pdf | FL | Investment | Purchase | NA | 1160716 | N/A | N/A | |||
| XXXX | XXXX | 5726709 | Closed | 2023-09-18 05:00 | 2023-09-25 04:40 | Resolved | 1 - Information | B | A | Credit | Doc Issue | VOM or VOR missing/required | Resolved-Updated Supportive document VOR (Verification of Rent). Hence finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Please provided VOM for current address XXX X XXXX, to verify mortgage history or any late payment. due to for this property loan not reflecting on credit report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Resolved-Updated Supportive document VOR (Verification of Rent). Hence finding resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXXXXXXXXXXXXXXX_XXXXXXXXXXX XXXX.pdf | FL | Investment | Purchase | NA | 1160899 | N/A | N/A | ||||
| XXXX | XXXX | 4649134 | Seller | 2024-08-12 10:22 | 2024-08-12 10:22 | Open | 3 - Material | C | C | Compliance | Compliance | Unable to test for Regulatory Compliance due to missing documents. | Open-Unable to test for Regulatory Compliance due to missing application from origination and appraisal - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | GA | Other | Other | Cash Out - Other | 2169518 | N/A | N/A | ||||||
| XXXX | XXXX | 4649134 | Seller | 2024-08-10 11:19 | 2024-08-10 11:19 | Open | 3 - Material | D | D | Property | Missing Doc | Appraisal is Missing | Open-Missing appraisal from origination - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
GA | Other | Other | Cash Out - Other | 2162218 | N/A | N/A | ||||||
| XXXX | XXXX | 4649134 | Seller | 2024-08-09 04:00 | 2024-08-09 04:00 | Open | 3 - Material | C | C | Credit | Doc Issue | Application Missing | Open-Please provide Initial Application as it is missing in File - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | GA | Other | Other | Cash Out - Other | 2153632 | N/A | N/A | ||||||
| XXXX | XXXX | 4649231 | Seller | 2024-08-10 11:16 | 2024-08-10 11:16 | Open | 3 - Material | D | D | Property | Missing Doc | Appraisal is Missing | Open-Missing appraisal from origination - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
CA | Other | Other | Cash Out - Other | 2162201 | N/A | N/A | ||||||
| XXXX | XXXX | 4649231 | Seller | 2024-08-10 11:16 | 2024-08-10 11:16 | Open | 3 - Material | C | C | Credit | Doc Issue | Application Missing | Open-Missing application from origination. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CA | Other | Other | Cash Out - Other | 2162199 | N/A | N/A | ||||||
| XXXX | XXXX | 4649231 | Seller | 2024-08-09 01:17 | 2024-08-09 01:17 | Open | 3 - Material | C | C | Compliance | Right to Rescind | TILA Right of Rescission Test | Open-This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Missing Notice of Right to Cancel. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
CA | Other | Other | Cash Out - Other | 2153236 | N/A | N/A | ||||||
| XXXX | XXXX | 4649231 | Seller | 2024-08-09 01:17 | 2024-08-09 01:17 | Open | 2 - Non-Material | B | B | Compliance | State Reg | Late Fees Test | Open-This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXXXXXXXXXXXXXXX® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. As per Note Term on page 1, borrower is liable to pay XX% of late fee or $XX minimum as per requirements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CA | Other | Other | Cash Out - Other | 2153237 | N/A | N/A | ||||||
| XXXX | XXXX | 4649104 | Seller | 2024-08-09 08:40 | 2024-08-09 08:40 | Open | 3 - Material | C | C | Compliance | Compliance | Unable to test for Regulatory Compliance due to missing documents. | Open-Unable to test due to missing documents (Application, Appraisal etc.) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CA | Refinance | Cash Out - Other | 2155785 | N/A | N/A | |||||||
| XXXX | XXXX | 4649104 | Seller | 2024-08-09 08:39 | 2024-08-09 08:39 | Open | 3 - Material | D | D | Credit | Missing Doc | Missing Application | Open-Needed to show occupancy, etc. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CA | Refinance | Cash Out - Other | 2155770 | N/A | N/A | |||||||
| XXXX | XXXX | 4649104 | Seller | 2024-08-09 08:38 | 2024-08-09 08:38 | Open | 3 - Material | D | D | Property | Missing Doc | Appraisal is Missing | Open-Appraisal needed to show units, property type, etc. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CA | Refinance | Cash Out - Other | 2155755 | N/A | N/A | |||||||
| XXXX | XXXX | 4649104 | Seller | 2024-08-09 00:40 | 2024-08-09 00:40 | Open | 2 - Non-Material | B | B | Compliance | State Reg | Late Fees Test | Open-This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXXXXXXXXXXXXXXX® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. as per the note term on page 1 of 7 other charges, borrower is liable to pay XX% of late fee or $XX minimum as per requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CA | Refinance | Cash Out - Other | 2153155 | N/A | N/A | |||||||
| XXXX | XXXX | 4649142 | Seller | 2024-08-10 11:47 | 2024-08-10 11:47 | Open | 3 - Material | D | D | Property | Missing Doc | Appraisal is Missing | Open-Missing appraisal from origination - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
NJ | Primary Residence | Refinance | Cash Out - Other | 2162308 | N/A | N/A | ||||||
| XXXX | XXXX | 4649142 | Seller | 2024-08-10 11:47 | 2024-08-10 11:47 | Open | 3 - Material | D | D | Compliance | Missing Doc | ARM Disclosure is Missing | Open-Missing ARM Disclosure from origination - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
NJ | Primary Residence | Refinance | Cash Out - Other | 2162307 | N/A | N/A | ||||||
| XXXX | XXXX | 4649142 | Seller | 2024-08-10 01:51 | 2024-08-10 01:51 | Open | 3 - Material | D | D | Compliance | Missing Doc | CHARM Booklet is Missing | Open-Please provide Charm Booklet as Note type is ARM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | NJ | Primary Residence | Refinance | Cash Out - Other | 2160893 | N/A | N/A | ||||||
| XXXX | XXXX | 4649142 | Seller | 2024-08-10 01:51 | 2024-08-10 01:51 | Open | 3 - Material | C | C | Credit | Doc Issue | Application Missing | Open-Please provide Initial Application as it is missing in File - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | NJ | Primary Residence | Refinance | Cash Out - Other | 2160892 | N/A | N/A | ||||||
| XXXX | XXXX | 4649142 | Seller | 2024-08-10 01:48 | 2024-08-10 01:50 | Open | 3 - Material | C | C | Compliance | Points & Fees | NJ HOSA 2004 Home Loan Late Charge Test | Open-This loan failed the home loan late charge test. (XX XX XX, § X. X.) , (XX XX XXX, § X.) The home loan charges a late payment fee of XX.XXX%, which is more than the allowed maximum of X% of the amount of the payment past due. As per Note Term on page X of X - other charges, borrower is liable to pay XX% of late fee or $XX minimum as per requirements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
NJ | Primary Residence | Refinance | Cash Out - Other | 2160889 | N/A | N/A | ||||||
| XXXX | XXXX | 4649142 | Seller | 2024-08-10 01:48 | 2024-08-10 01:48 | Open | 3 - Material | C | C | Compliance | Right to Rescind | TILA Right of Rescission Test | Open-This loan failed the XXXX right of rescission test. Closed-end ( XX XXX §XXXX.XX(X)(X) , transferred from XX XXX §XXX.XX(X)(X) ), Open-end ( XX XXX §XXXX.XX(X)(X) , transferred from XX XXX §XXX.XX(X)(X) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX XXX §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Missing Notice of Right to Cancel. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
NJ | Primary Residence | Refinance | Cash Out - Other | 2160888 | N/A | N/A | ||||||
| XXXX | XXXX | 4649142 | Seller | 2024-08-10 01:48 | 2024-08-10 01:48 | Open | 3 - Material | C | C | Compliance | Points & Fees | NJ HOSA 2004 Home Loan Grace Period Test | Open-This loan failed the home loan grace period test. (XX XX XX, § X. X.) , (XX XX XXX, § X.) The home loan charges a late payment fee assessed on a payment past due for XX days, which is less than the allowed minimum of XX days. As per Note Term on page X of X - other charges, borrower is liable to pay XX% of late fee or $XX minimum as per requirements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
NJ | Primary Residence | Refinance | Cash Out - Other | 2160890 | N/A | N/A | ||||||
| XXXX | XXXX | 4649191 | Seller | 2024-08-12 00:04 | 2024-08-12 00:04 | Open | 3 - Material | D | D | Property | Missing Doc | Appraisal is Missing | Open-Missing appraisal from origination - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CT | Primary Residence | Refinance | Cash Out - Other | 2165409 | N/A | N/A | ||||||
| XXXX | XXXX | 4649191 | Seller | 2024-08-10 10:29 | 2024-08-10 10:29 | Open | 3 - Material | C | C | Compliance | Right to Rescind | TILA Right of Rescission Test | Open-This loan failed the XXXX right of rescission test. Closed-end ( XX XXX §XXXX.XX(X)(X) , transferred from XX XXX §XXX.XX(X)(X) ), Open-end ( XX XXX §XXXX.XX(X)(X) , transferred from XX XXX §XXX.XX(X)(X) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX XXX §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Missing Notice of Right to Cancel. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
CT | Primary Residence | Refinance | Cash Out - Other | 2162077 | N/A | N/A | ||||||
| XXXX | XXXX | 4649191 | Seller | 2024-08-10 10:29 | 2024-08-10 10:29 | Open | 3 - Material | C | C | Compliance | Points & Fees | CT License Validation Test | Open-This loan failed the XXXXXXXXXXX license validation test. (XX XX XXXX Section XX(X)) First mortgage lender licenses and secondary mortgage lender licenses in existence on XXXX XXth, XXXX shall be deemed on and after XXXX Xst, XXXX, to be a mortgage lender license. As of XXXX X, XXXX the XXXXXXXXXXX First Mortgage Lender License and the XXXXXXXXXXX Second Mortgage Lender License are no longer valid. The XXXXXXXXXXX Mortgage Lender License is available for loans with a closing date before XXXX Xst, XXXX. License Fail as the subject property is in XXXXXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
CT | Primary Residence | Refinance | Cash Out - Other | 2162078 | N/A | N/A | ||||||
| XXXX | XXXX | 4649191 | Seller | 2024-08-10 10:27 | 2024-08-10 10:27 | Open | 3 - Material | D | D | Compliance | Missing Doc | CHARM Booklet is Missing | Open-Please provide Charm Booklet as Note type is ARM - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CT | Primary Residence | Refinance | Cash Out - Other | 2162065 | N/A | N/A | ||||||
| XXXX | XXXX | 4649191 | Seller | 2024-08-10 10:27 | 2024-08-10 10:27 | Open | 3 - Material | C | C | Credit | Doc Issue | Application Missing | Open-Please provide Initial Application as it is missing in File - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CT | Primary Residence | Refinance | Cash Out - Other | 2162064 | N/A | N/A | ||||||
| XXXX | XXXX | 4649193 | Seller | 2024-08-09 13:08 | 2024-08-09 13:08 | Open | 3 - Material | D | D | Property | Missing Doc | Appraisal is Missing | Open-Missing Appraisal from file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CO | Refinance | Cash Out - Other | 2158741 | N/A | N/A | |||||||
| XXXX | XXXX | 4649193 | Seller | 2024-08-09 10:59 | 2024-08-09 10:59 | Open | 3 - Material | C | C | Compliance | Compliance | Unable to test for Regulatory Compliance due to missing documents. | Open-Unable to test due to missing Application - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CO | Refinance | Cash Out - Other | 2157466 | N/A | N/A | |||||||
| XXXX | XXXX | 4649193 | Seller | 2024-08-09 10:56 | 2024-08-09 10:56 | Open | 2 - Non-Material | B | B | Compliance | Compliance | RESPA violation; CHARM Booklet was not provided within the required timeframe. | Open-Missing XXXXX XXXXXXX and proof provided within required timeline. - Due Diligence Vendor-XX/XX/XXXX | CO | Refinance | Cash Out - Other | 2157450 | N/A | N/A | |||||||
| XXXX | XXXX | 4649193 | Seller | 2024-08-09 10:55 | 2024-08-09 10:55 | Open | 3 - Material | C | C | Credit | Doc Issue | Application Missing | Open-Missing Application from origination. - Due Diligence Vendor-XX/XX/XXXX | CO | Refinance | Cash Out - Other | 2157441 | N/A | N/A | |||||||
| XXXX | XXXX | 4649193 | Seller | 2024-08-09 10:55 | 2024-08-09 10:55 | Open | 3 - Material | D | D | Compliance | Missing Doc | ARM Disclosure is Missing | Open-Missing ARM Disclosure from file. - Due Diligence Vendor-XX/XX/XXXX | CO | Refinance | Cash Out - Other | 2157428 | N/A | N/A | |||||||
| XXXX | XXXX | 4649193 | Seller | 2024-08-08 05:16 | 2024-08-08 05:16 | Open | 2 - Non-Material | B | B | Compliance | State Reg | Late Fees Test | Open-This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXXXXXXXXXXXXXXXX® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. As per note term on 2 of 8 - other charges, borrower is liable to pay XX% of late fee or $XX minimum as per requirements - Due Diligence Vendor-XX/XX/XXXX | CO | Refinance | Cash Out - Other | 2146123 | N/A | N/A | |||||||
| XXXX | XXXX | 4649229 | Seller | 2024-08-10 11:23 | 2024-08-10 11:23 | Open | 3 - Material | D | D | Compliance | Missing Doc | ARM Disclosure is Missing | Open-Missing ARM Disclosure from origination - Due Diligence Vendor-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2162233 | N/A | N/A | ||||||
| XXXX | XXXX | 4649229 | Seller | 2024-08-10 11:23 | 2024-08-10 11:23 | Open | 3 - Material | D | D | Property | Missing Doc | Appraisal is Missing | Open-Missing appraisal from origination - Due Diligence Vendor-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2162231 | N/A | N/A | ||||||
| XXXX | XXXX | 4649229 | Seller | 2024-08-09 05:22 | 2024-08-09 05:22 | Open | 3 - Material | D | D | Compliance | Missing Doc | CHARM Booklet is Missing | Open-Please provide XXXXX XXXXXXX as Note type is ARM - Due Diligence Vendor-XX/XX/XXXX | WA | Primary Residence | Refinance | Cash Out - Other | 2153856 | N/A | N/A | ||||||
| XXXX | XXXX | 4649229 | Seller | 2024-08-09 05:20 | 2024-08-09 05:20 | Open | 3 - Material | D | D | Credit | Missing Doc | Missing Application | Open-Please provide Initial Application as it is missing in File - Due Diligence Vendor-XX/XX/XXXX | WA | Primary Residence | Refinance | Cash Out - Other | 2153854 | N/A | N/A | ||||||
| XXXX | XXXX | 4649229 | Seller | 2024-08-09 05:19 | 2024-08-09 05:19 | Open | 3 - Material | C | C | Compliance | Right to Rescind | TILA Right of Rescission Test | Open-This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Missing Notice of Right to Cancel. - Due Diligence Vendor-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2153852 | N/A | N/A | ||||||
| XXXX | XXXX | 4649107 | Seller | 2024-08-12 14:15 | 2024-08-12 14:15 | Open | 3 - Material | C | C | Compliance | Compliance | Unable to test for Regulatory Compliance due to missing documents. | Open-Unable to test for Regulatory Compliance due to missing documents. To be reviewed upon receipt of requested documents. - Due Diligence Vendor-XX/XX/XXXX | TN | Other | Other | Cash Out - Other | 2171910 | N/A | N/A | ||||||
| XXXX | XXXX | 4649107 | Seller | 2024-08-10 11:27 | 2024-08-10 11:27 | Open | 3 - Material | D | D | Property | Missing Doc | Appraisal is Missing | Open-Missing appraisal from origination - Due Diligence Vendor-XX/XX/XXXX |
TN | Other | Other | Cash Out - Other | 2162249 | N/A | N/A | ||||||
| XXXX | XXXX | 4649107 | Seller | 2024-08-09 07:22 | 2024-08-09 07:22 | Open | 3 - Material | C | C | Credit | Doc Issue | Application Missing | Open-Please provide Initial Application as it is missing in File - Due Diligence Vendor-XX/XX/XXXX | TN | Other | Other | Cash Out - Other | 2154786 | N/A | N/A | ||||||
| XXXX | XXXX | 4649116 | Seller | 2024-08-10 11:33 | 2024-08-10 11:33 | Open | 3 - Material | D | D | Compliance | Missing Doc | CHARM Booklet is Missing | Open-Missing CHARM Booklet from origination - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Refinance | Cash Out - Other | 2162265 | N/A | N/A | ||||||
| XXXX | XXXX | 4649116 | Seller | 2024-08-10 11:32 | 2024-08-10 11:32 | Open | 3 - Material | D | D | Compliance | Missing Doc | ARM Disclosure is Missing | Open-Missing ARM Disclosure from origination - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Refinance | Cash Out - Other | 2162263 | N/A | N/A | ||||||
| XXXX | XXXX | 4649116 | Seller | 2024-08-10 11:32 | 2024-08-10 11:32 | Open | 3 - Material | D | D | Property | Missing Doc | Appraisal is Missing | Open-Missing appraisal from origination - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Refinance | Cash Out - Other | 2162260 | N/A | N/A | ||||||
| XXXX | XXXX | 4649116 | Seller | 2024-08-10 11:32 | 2024-08-10 11:32 | Open | 3 - Material | C | C | Credit | Doc Issue | Application Missing | Open-Missing application from origination. - Due Diligence Vendor-XX/XX/XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 2162255 | N/A | N/A | ||||||
| XXXX | XXXX | 4649116 | Seller | 2024-08-09 07:32 | 2024-08-09 07:32 | Open | 3 - Material | C | C | Compliance | Right to Rescind | TILA Right of Rescission Test | Open-This loan failed the XXXX right of rescission test. Closed-end ( XX XXX §XXXX.XX(X)(X) , transferred from XX XXX §XXX.XX(X)(X) ), Open-end ( XX XXX §XXXX.XX(X)(X) , transferred from XX XXX §XXX.XX(X)(X) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX XXX §XXXX.XX or §XXXX.XX, or delivery of all material disclosures, whichever occurs last. Missing Notice of Right to Cancel. - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Refinance | Cash Out - Other | 2154871 | N/A | N/A | ||||||
| XXXX | XXXX | 4649076 | Seller | 2024-08-12 00:08 | 2024-08-12 00:08 | Open | 3 - Material | D | D | Compliance | Missing Doc | CHARM Booklet is Missing | Open-Please provide Charm Booklet as Note type is ARM - Due Diligence Vendor-XX/XX/XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 2165422 | N/A | N/A | ||||||
| XXXX | XXXX | 4649076 | Seller | 2024-08-12 00:07 | 2024-08-12 00:07 | Open | 3 - Material | C | C | Credit | Doc Issue | Application Missing | Open-Please provide Initial Application as it is missing in File - Due Diligence Vendor-XX/XX/XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 2165417 | N/A | N/A | ||||||
| XXXX | XXXX | 4649076 | Seller | 2024-08-11 23:58 | 2024-08-11 23:58 | Open | 3 - Material | D | D | Compliance | Missing Doc | ARM Disclosure is Missing | Open-Missing ARM Disclosure from origination - Due Diligence Vendor-XX/XX/XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 2165401 | N/A | N/A | ||||||
| XXXX | XXXX | 4649076 | Seller | 2024-08-11 23:57 | 2024-08-11 23:57 | Open | 3 - Material | D | D | Property | Missing Doc | Appraisal is Missing | Open-Missing appraisal from origination - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 2165400 | N/A | N/A | ||||||
| XXXX | XXXX | 4649076 | Seller | 2024-08-11 23:49 | 2024-08-11 23:49 | Open | 3 - Material | C | C | Compliance | Right to Rescind | TILA Right of Rescission Test | Open-This loan failed the XXXX right of rescission test. Closed-end ( XX XXX §XXXXXXXXX , transferred from XX XXX §XXXXXXXXX ), Open-end ( XX XXX §XXXXXXXXX , transferred from XX XXX §XXXXXXXXX )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX XXX §XXXXXXXXX or §XXXXXXXXX, or delivery of all material disclosures, whichever occurs last. Missing Notice of Right to Cancel. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
CA | Primary Residence | Refinance | Cash Out - Other | 2165361 | N/A | N/A | ||||||
| XXXX | XXXX | 4649076 | Seller | 2024-08-11 23:49 | 2024-08-11 23:49 | Open | 2 - Non-Material | B | B | Compliance | State Reg | Late Fees Test | Open-This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXXXXXXXXXXXXXXXX® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. As per Note Term on page 2 of 8 - other charges, borrower is liable to pay XX% of late fee or $XX minimum as per requirements. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 2165362 | N/A | N/A | ||||||
| XXXX | XXXX | 4649078 | Seller | 2024-08-12 12:41 | 2024-08-12 12:41 | Open | 3 - Material | D | D | Compliance | Missing Doc | ARM Disclosure is Missing | Open-Missing ARM Disclosure from origination - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CA | Other | Other | Cash Out - Other | 2170945 | N/A | N/A | ||||||
| XXXX | XXXX | 4649078 | Seller | 2024-08-10 03:18 | 2024-08-12 12:40 | Open | 3 - Material | D | D | Credit | Missing Doc | Note is missing or unexecuted | Open-Missing Note from file - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CA | Other | Other | Cash Out - Other | 2160972 | N/A | N/A | ||||||
| XXXX | XXXX | 4649078 | Seller | 2024-08-12 12:39 | 2024-08-12 12:39 | Open | 3 - Material | D | D | Compliance | Missing Doc | CHARM Booklet is Missing | Open-Missing XXXX Booklet from origination - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CA | Other | Other | Cash Out - Other | 2170920 | N/A | N/A | ||||||
| XXXX | XXXX | 4649078 | Seller | 2024-08-12 12:38 | 2024-08-12 12:38 | Open | 3 - Material | C | C | Compliance | Compliance | Unable to test for Regulatory Compliance due to missing documents. | Open-Unable to test for Regulatory Compliance due to missing Note, application from origination, appraisal, ARM Disclosure and XXXX Booklet - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CA | Other | Other | Cash Out - Other | 2170911 | N/A | N/A | ||||||
| XXXX | XXXX | 4649078 | Seller | 2024-08-10 11:43 | 2024-08-10 11:43 | Open | 3 - Material | D | D | Property | Missing Doc | Appraisal is Missing | Open-Missing appraisal from origination - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
CA | Other | Other | Cash Out - Other | 2162296 | N/A | N/A | ||||||
| XXXX | XXXX | 4649078 | Seller | 2024-08-10 03:19 | 2024-08-10 03:19 | Open | 3 - Material | C | C | Credit | Doc Issue | Application Missing | Open-Please provide Initial Application as it is missing in File - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | CA | Other | Other | Cash Out - Other | 2160975 | N/A | N/A | ||||||
| XXXX | XXXX | 4859248 | Closed | 2025-01-15 12:41 | 2025-01-30 17:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Income Calc attached. - XXXXXX-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The Income Calculator is missing from the file. Requesting to provide the Income Calculator. - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Income Calc attached. - XXXXXX-XX/XX/XXXX |
Resolved-Validation Resolved' - XXXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |
XXXXXXX XXXXXX XXXX.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 3213592 | N/A | N/A | |||
| XXXX | XXXX | 4859248 | Closed | 2024-12-02 22:16 | 2025-01-15 11:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-XXXXXXXXXX allow for 60 days to not pull gap report. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX Resolved-XXXXXXXXXX allow for 60 days to not pull gap report. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-XXXXXXXXXX allow for 60 days for GAP pull. - XXXXXX-XX/XX/XXXX Open-Borrower 2 Gap Credit Report is Missing GAP Report for Borrower 2 is missing - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-XXXXXXXXXX allow for 60 days for GAP pull. - XXXXXX-XX/XX/XXXX |
Resolved-XXXXXXXXXX allow for 60 days to not pull gap report. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX Resolved-XXXXXXXXXX allow for 60 days to not pull gap report. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2915382 | N/A | N/A | ||||
| XXXX | XXXX | 4859248 | Closed | 2024-12-02 22:16 | 2025-01-15 11:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-XXXXXXXXXX allow for 60 days to not pull gap report. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-XXXXXXXXXX allow for 60 days to not pull gap report. - XXXXXX-XX/XX/XXXX Open-Borrower 1 Gap Credit Report is Missing GAP Report for Borrower 1 is missing - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-XXXXXXXXXX allow for 60 days to not pull gap report. - XXXXXX-XX/XX/XXXX |
Resolved-XXXXXXXXXX allow for 60 days to not pull gap report. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2915381 | N/A | N/A | ||||
| XXXX | XXXX | 4859248 | Closed | 2024-12-02 22:16 | 2025-01-15 11:47 | Resolved | 1 - Information | C | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - XXX XXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Credit score should be 713. - XXXXXX-XX/XX/XXXX Open-Qualifying FICO on the 1008 Page is '713' or blank, but the Qualifying FICO from the Credit Liabilities Page is '707' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Used Primary wage earner FICO, score as per XXXXXXXXX, whereas 1008 is showing 713 as FICO score. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Credit score should be 713. - XXXXXX-XX/XX/XXXX |
Resolved-Validation Resolved - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2915383 | N/A | N/A | ||||
| XXXX | XXXX | 4859248 | Closed | 2024-12-02 22:19 | 2025-01-15 11:32 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXX XXX Attached. Correction to prior condition, score is 707 not 713. - XXXXXX-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation is missing - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXX XXX Attached. Correction to prior condition, score is 707 not 713. - XXXXXX-XX/XX/XXXX |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
XXXXXXX XXXXXX XXX.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 2915389 | N/A | N/A | |||
| XXXX | XXXX | 4859248 | Closed | 2024-12-02 23:17 | 2024-12-17 16:25 | Acknowledged | 2 - Non-Material | C | B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX XXXXXXXXX XXXX XXX (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX Open-The XXXXXXXXXX XXXXXXXXX XXXX prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. (XXX XX.XX.XXX(2); XXX XXX-XXX-XXX; XXX XXX-XXX-XXX(6)) All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX XXXXXXXXX XXXX XXX (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2915497 | Originator Post-Close | No | |||||
| XXXX | XXXX | 4859248 | Closed | 2024-12-02 23:17 | 2024-12-17 16:25 | Acknowledged | 2 - Non-Material | C | B | Compliance | Fees:Limited | Washington - Maximum Lender Fees (01/09) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX XXXXXXXXX XXXX XXX (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX Open-Under the XXXXXXXXXX XXXXXXXXX XXXX, a lender may not charge a "loan origination fee" exceeding XX% of the first $XXXXXX and X% thereafter of the remaining loan amount. (XXX XX.XX.XXX(2); XXX XXX-XXX-XXX(6)). The loan origination exceeds XX% of the first $XXXXXX. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX XXXXXXXXX XXXX XXX (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2915501 | Originator Post-Close | No | |||||
| XXXX | XXXX | 4859248 | Seller | 2024-12-02 23:36 | 2025-01-30 20:02 | Counter | 3 - Material | D | D | Credit | Missing Doc | 1008 Document is Missing | Counter-The 1008 is incomplete. 1. First mortgage P&I on 1008 is showing $XXXXXXXX, where as recent mortgage statement and Credit report showing $XXXXXXXX (Excluding Taxes and Insurance). Risk Assessment on 1008 is showing Manual Underwriting, AUS and other marked as Portfolio Fixed. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-We update 1008 to actual costs, the payment made to existing lender maybe off based on adjustments or lack of adjustments to current escrow, if MI is present we add it to existing P&I. We do not count any escrow shortage into our equation but use actual costs. - XXXXXX-XX/XX/XXXX Counter-The 1008 is incomplete. 1. First mortgage P&I on 1008 is showing $XXXXXXXX, where as recent mortgage statement and Credit report showing $XXXXXXXX (Excluding Taxes and Insurance). Risk Assessment on 1008 is showing Manual Underwriting, AUS and other marked as Portfolio Fixed. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. 1008 Attached 707 is score to use. - XXXXXX-XX/XX/XXXX Open-The 1008 document is missing from the loan file. 1. First mortgage P&I on 1008 is showing $XXXXXXXX, where as recent mortgage statement and Credit report showing $XXXXXXXX (Excluding Taxes and Insurance). 2.FICO score is showing 713, whereas, for multiple borrower Primary wage earner FICO as per XXXXXXXXX is 707. 3.Risk Assessment on 1008 is showing Manual Underwriting, AUS and other marked as Portfolio Fixed - Approved - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-We update 1008 to actual costs, the payment made to existing lender maybe off based on adjustments or lack of adjustments to current escrow, if MI is present we add it to existing P&I. We do not count any escrow shortage into our equation but use actual costs. - XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. 1008 Attached 707 is score to use. - XXXXXX-XX/XX/XXXX |
XXXXXXX 1008.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 2915527 | N/A | N/A | ||||
| XXXX | XXXX | 4859249 | Closed | 2024-12-02 02:23 | 2025-01-30 06:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Uploaded. Resolved. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. Terms of existing 1st lien are on this mortgage statement. - XXXXXX-XX/XX/XXXX Counter-Can we get the mortgage statement for the prior year to show terms of existing mortgage. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-XXXXXXXXXX do not call for the note, unless balloon or ARM. The client has a fixed rate per billing statement. - XXXXXX-XX/XX/XXXX Open-We need the prior year Note details for the second lien - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. Terms of existing 1st lien are on this mortgage statement. - XXXXXX-XX/XX/XXXX Ready for Review-XXXXXXXXXX do not call for the note, unless balloon or ARM. The client has a fixed rate per billing statement. - XXXXXX-XX/XX/XXXX |
Resolved-Uploaded. Resolved. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
XXXXXXX XXX XXX.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 2904177 | N/A | N/A | |||
| XXXX | XXXX | 4859249 | Closed | 2024-11-27 02:11 | 2024-12-17 16:25 | Acknowledged | 2 - Non-Material | C | B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX XXXXXXXXX XXXX XXX (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX Open-The XXXXXXXXXX XXXXXXXXX XXXX prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. (XXX XX.XX.XXX(2); XXX XXX-XXX-XXX; XXX XXX-XXX-XXX(6)) All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX XXXXXXXXX XXXX XXX (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2892486 | Originator Post-Close | No | |||||
| XXXX | XXXX | 4859249 | Closed | 2024-11-27 02:11 | 2024-12-17 16:25 | Acknowledged | 2 - Non-Material | C | B | Compliance | Fees:Limited | Washington - Maximum Lender Fees (01/09) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX XXXXXXXXX XXXX XXX (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX Open-Under the XXXXXXXXXX XXXXXXXXX XXXX, a lender may not charge a "loan origination fee" exceeding XX% of the first $XXXXXX and X% thereafter of the remaining loan amount. (XXX XX.XX.XXX(2); XXX XXX-XXX-XXX(6)). All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXX XXXXXXXXX XXXX XXX (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - XXX XXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2892492 | Originator Post-Close | No | |||||
| XXXX | XXXX | 4859249 | Seller | 2024-11-27 01:21 | 2025-02-06 11:01 | Counter | 3 - Material | C | C | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Counter-Currently being reviewed by investor as Client states unable to Resolve - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-Submitted docs are all that we have. - Seller-XX/XX/XXXX Counter-Are you able to capture a HOI before the NOTE date? This policy is after closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Correct, nothing we can do, but confirm no claims have been made so the future policy is all we have. - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX |
Unable to Resolve-Unable to Resolve-Submitted docs are all that we have. - Seller-XX/XX/XXXX Ready for Review-Correct, nothing we can do, but confirm no claims have been made so the future policy is all we have. - Seller-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2892388 | N/A | N/A | |||||
| XXXX | XXXX | 4859249 | Seller | 2024-11-27 02:11 | 2025-02-06 11:01 | Counter | 3 - Material | C | C | Compliance | TRID Tolerance | Fees: Limited | Counter-Currently being reviewed by investor as Client states unable to Resolve - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX Counter-All the fees and cost are updated as per XXXXX documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-No Charges increased. This was done accurately and in compliance. Escrow fee would go into the XX% column too. - Seller-XX/XX/XXXX Open-The total amount of the XX% category fees on the last Closing Disclosure (XXXXXXXX) has increased by more than XX% over the current baseline value of (XXXXXXXX). The total amount of fees in the XX% category cannot exceed (XXXXXXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender’s Title Policy, Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXXXX(e)(X)(ii); XX CFR XXXXXX(e)(X)(iv)). All the fees and cost are updated as per XXXXX documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-XX/XX/XXXX |
Unable to Resolve-Unable to Resolve-Submitted docs are what we have. - Seller-XX/XX/XXXX Ready for Review-No Charges increased. This was done accurately and in compliance. Escrow fee would go into the XX% column too. - Seller-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2892487 | N/A | N/A | |||||
| XXXX | XXXX | 4859249 | Seller | 2024-11-27 02:11 | 2025-02-06 11:01 | Counter | 3 - Material | C | C | Compliance | TRID Tolerance | Fees: Limited | Counter-Currently being reviewed by investor as Client states unable to Resolve - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-I still think our fees are accurate. - Seller-XX/XX/XXXX Counter-All the fees and cost are updated as per XXXXX documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The fees are all in compliance. - Seller-XX/XX/XXXX Open-The total amount of the XX% category fees (XXXXXXXX) has increased by more than XX% over the current baseline value of (XXXXXXXX). The total amount of fees in the XX% category cannot exceed (XXXXXXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender’s Title Policy, Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXXXX(e)(X)(ii); XX CFR XXXXXX(e)(X)(iv)). All the fees and cost are updated as per XXXXX documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-XX/XX/XXXX |
Unable to Resolve-Unable to Resolve-I still think our fees are accurate. - Seller-XX/XX/XXXX Ready for Review-The fees are all in compliance. - Seller-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2892490 | N/A | N/A | |||||
| XXXX | XXXX | 4859249 | Seller | 2024-11-27 02:11 | 2025-02-06 11:01 | Counter | 3 - Material | C | C | Compliance | TRID | Federal - Inaccurate Closing Disclosure APR - Redisclosure and Waiting Period | Counter-Currently being reviewed by investor as Client states unable to Resolve - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-Submitted docs are what we got. - Seller-XX/XX/XXXX Counter-it appears the APR increased over X.XXX% which needs closing to be pushed by X business days, and post closing it is not allowed. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD attached. - Seller-XX/XX/XXXX Open-The Annual Percentage Rate of (XX.XXX%) on the Closing Disclosure is inaccurate. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than X business days before the consummation date of (XXXX-XX-XX). If corrected disclosures are delivered to a consumer other than in person, a consumer is deemed to have received them X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXXXX(f)(X)(ii)(A)); XXXXXX(f)(X)(iii); XXXXXX(f)(X)(ii)(A); XXXXXX(a)(X)) As per final cd APR (XX.XXX) is lower than the actual APR (XX.XXX) ,which is more than more than X.XXX%. - Due Diligence Vendor-XX/XX/XXXX |
Unable to Resolve-Unable to Resolve-Submitted docs are what we got. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD attached. - Seller-XX/XX/XXXX |
XXXXXXXX PCCD.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 2892491 | N/A | N/A | ||||
| XXXX | XXXX | 4859249 | Seller | 2024-11-27 02:11 | 2025-02-06 11:01 | Counter | 3 - Material | C | C | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Counter-Currently being reviewed by investor as Client states unable to Resolve - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-Submitted docs are what we got. - Seller-XX/XX/XXXX Counter-It appears the APR increased over X.XXX% which needs closing to be pushed by X business days, and post closing it is not allowed - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD submitted. - Seller-XX/XX/XXXX Open-The disclosed APR (XX.XXX) is lower than the actual APR (XX.XXX) by more than X.XXX%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than X.XXX% on a regular mortgage transaction. (XX CFR XXXXXX(f), XXXXXX(a)(X), & XXXXXX(a)(X)) As per final cd APR (XX.XXX) is lower than the actual APR (XX.XXX) ,which is more than more than X.XXX%. - Due Diligence Vendor-XX/XX/XXXX |
Unable to Resolve-Unable to Resolve-Submitted docs are what we got. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. PCCD submitted. - Seller-XX/XX/XXXX |
XXXXXXXX PCCD.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 2892493 | N/A | N/A | ||||
| XXXX | XXXX | 4859249 | Seller | 2024-12-05 13:12 | 2025-01-15 16:16 | Counter | 3 - Material | C | C | Compliance | Mavent | Tolerance: Disclosure | Counter-it appears the APR increased over X.XXX% which needs closing to be pushed by X business days, and post closing it is not allowed as far as I remember. - Due Diligence Vendor-XX/XX/XXXX Counter-it appears the APR increased over X.XXX% which needs closing to be pushed by X business days, and post closing it is not allowed - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Initial CD was emailed and the email is in the file to confirm receipt. - Seller-XX/XX/XXXX Open-The Last CD sent on (XXXX-XX-XX) and Prior CDX sent on (XXXX-XX-XX) were not received at least X business days before closing. The Initial CD was received at least X business days before closing. The Initial CD (XX.XXX%) APR is inaccurate when compared to the (XX.XXX%) actual APR. If the APR is inaccurate, a consumer must receive a corrected CD no later than (XXXXXXXX), which is X business days before the (XXXX-XX-XX) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it X business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD a consumer receives at closing must be accurate when compared to the APR on the CD received at least X business days before closing and the actual APR. (XX CFR XXXXXX(f)(X)(ii)(A); XXX X(f)(X)(ii)-X) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Initial CD was emailed and the email is in the file to confirm receipt. - Seller-XX/XX/XXXX |
XXXXXXXX CDs and Rceipt.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 2942957 | N/A | N/A | ||||
| XXXX | XXXX | 4859249 | Closed | 2024-11-27 02:11 | 2025-01-15 11:57 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Meets XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is XXXX. - Seller-XX/XX/XXXX Open-meets xxxx - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX CFR XXXXXX(a)(X)(iii)) The comparable XXXX for this loan is (X.XX%).(XX CFR XXXXXX(a)(X)(iii)) The comparable XXXX for this loan is (X.X%).(XX CFR XXXXXX(a)(X)(iii)) The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (XX.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.X%).(XX CFR XXXXXX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXXX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg#XX, XXXX Appraisal Disclosure provided on page XXX. The copy of appraisal sent to borrower confirmation page XX . The loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is XXXX. - Seller-XX/XX/XXXX |
Resolved-Meets XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX CFR XXXXXX(a)(X)(iii)) The comparable XXXX for this loan is (X.XX%).(XX CFR XXXXXX(a)(X)(iii)) The comparable XXXX for this loan is (X.X%).(XX CFR XXXXXX(a)(X)(iii)) The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (XX.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.X%).(XX CFR XXXXXX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXXX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg#XX, XXXX Appraisal Disclosure provided on page XXX. The copy of appraisal sent to borrower confirmation page XX . The loan meets XXXX guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2892489 | N/A | N/A | ||||
| XXXX | XXXX | 4859250 | Closed | 2024-12-02 00:24 | 2025-01-15 13:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Gap not required per guidelines and credit report date to note date. - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Gap not required per guidelines and credit report date to note date. - Seller-XX/XX/XXXX |
Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2903996 | N/A | N/A | ||||
| XXXX | XXXX | 4859250 | Closed | 2024-12-02 00:24 | 2025-01-15 13:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Gap not required per guidelines and credit report date to note date. - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Gap not required per guidelines and credit report date to note date. - Seller-XX/XX/XXXX |
Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2903997 | N/A | N/A | ||||
| XXXX | XXXX | 4859250 | Closed | 2024-12-04 10:52 | 2025-01-15 13:19 | Resolved | 1 - Information | C | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-XXXX CU uploaded. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXX XXX attached. - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X. Requesting to provide a Secondary Valuation or Additional Valuation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXX XXX attached. - Seller-XX/XX/XXXX |
Resolved-XXXX CU uploaded. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXX.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 2930006 | N/A | N/A | |||
| XXXX | XXXX | 4859250 | Closed | 2024-12-02 01:25 | 2024-12-17 16:25 | Acknowledged | 2 - Non-Material | C | B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Open-The Washington Consumer Loan Act prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX; WAC XXX-XXX-XXX(X)) All the fees and cost are updated as per XXXX documents, but unable to resolve the state specific finding in mavent fail. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2904101 | Originator Post-Close | No | |||||
| XXXX | XXXX | 4859250 | Closed | 2024-12-02 01:25 | 2024-12-17 16:25 | Acknowledged | 2 - Non-Material | C | B | Compliance | Fees:Limited | Washington - Maximum Lender Fees (01/09) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Open-Under the Washington Consumer Loan Act, a lender may not charge a "loan origination fee" exceeding X% of the first $XX,XXX and X% thereafter of the remaining loan amount. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX(X)). All the fees and cost are updated as per XXXX documents, but unable to resolve the state specific finding in mavent fail. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2904105 | Originator Post-Close | No | |||||
| XXXX | XXXX | 4859250 | Closed | 2024-12-04 10:36 | 2024-12-04 12:03 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Corrected Closing Disclosure (Loan Product)(Last CD not in Person) | Resolved-res - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Open-w - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Rescinded- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Rescinded-used 360/360 - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Open-The Loan Product of (Fixed Rate) on the last Closing Disclosure does not match the system calculated Loan Product of (Negative Amortization, Fixed Rate). The last Closing Disclosure was provided on (XXXX-XX-XX) via (Other), which is not at least X business days before the consummation date of (XXXX-XX-XX). Under XXXXXXXXXX X, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX XXX XXXXX.XX(X)(X)(X); XXX XX(X)(X)(X)-X) - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
Resolved-res - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Rescinded-used 360/360 - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2929850 | N/A | N/A | |||||
| XXXX | XXXX | 4859250 | Closed | 2024-12-04 10:36 | 2024-12-04 12:03 | Resolved | 1 - Information | C | A | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Resolved-res - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Open-w - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Rescinded- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Rescinded-used periodic 360/360 - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Open-The Loan Product of (Fixed Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Negative Amortization, Fixed Rate). Under XXXXXXXXXX X, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX XXX XXXXX.XX(X)(X)(X)); XXXXX.XX(X)(X)(X); XXXXX.XX(X)(X)(X)) - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
Resolved-res - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Rescinded-used periodic 360/360 - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2929851 | N/A | N/A | |||||
| XXXX | XXXX | 4859250 | Closed | 2024-12-02 01:25 | 2024-12-04 12:03 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) The comparable XXXX for this loan is (X.X%).(XX XXX XXXXX.XX(X)(X)(X)) The loan's (XX.XXX%) APR equals or exceeds the Federal XXXXX threshold of (XX.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.X%).(XX XXX XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXX.XX(X)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Rate lock date was entered correctly – see Pg#’s XXXAn interior and exterior appraisal was completed for this property – see pg#XX, XXXX Appraisal Disclosure provided on page XXX. The copy of appraisal sent to borrower confirmation page XX . The loan meets XXXXX guidelines. Resolved. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) The comparable XXXX for this loan is (X.X%).(XX XXX XXXXX.XX(X)(X)(X)) The loan's (XX.XXX%) APR equals or exceeds the Federal XXXXX threshold of (XX.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.X%).(XX XXX XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXX.XX(X)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Rate lock date was entered correctly – see Pg#’s XXXAn interior and exterior appraisal was completed for this property – see pg#XX, XXXX Appraisal Disclosure provided on page XXX. The copy of appraisal sent to borrower confirmation page XX . The loan meets XXXXX guidelines. Resolved. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) The comparable XXXX for this loan is (X.X%).(XX XXX XXXXX.XX(X)(X)(X)) The loan's (XX.XXX%) APR equals or exceeds the Federal XXXXX threshold of (XX.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.X%).(XX XXX XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXX.XX(X)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Rate lock date was entered correctly – see Pg#’s XXXAn interior and exterior appraisal was completed for this property – see pg#XX, XXXX Appraisal Disclosure provided on page XXX. The copy of appraisal sent to borrower confirmation page XX . The loan meets XXXXX guidelines. Resolved. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) The comparable XXXX for this loan is (X.X%).(XX XXX XXXXX.XX(X)(X)(X)) The loan's (XX.XXX%) APR equals or exceeds the Federal XXXXX threshold of (XX.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.X%).(XX XXX XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXX.XX(X)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Rate lock date was entered correctly – see Pg#’s XXXAn interior and exterior appraisal was completed for this property – see pg#XX, XXXX Appraisal Disclosure provided on page XXX. The copy of appraisal sent to borrower confirmation page XX . The loan meets XXXXX guidelines. Resolved. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) The comparable XXXX for this loan is (X.X%).(XX XXX XXXXX.XX(X)(X)(X)) The loan's (XX.XXX%) APR equals or exceeds the Federal XXXXX threshold of (XX.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.X%).(XX XXX XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXX.XX(X)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Rate lock date was entered correctly – see Pg#’s XXXAn interior and exterior appraisal was completed for this property – see pg#XX, XXXX Appraisal Disclosure provided on page XXX. The copy of appraisal sent to borrower confirmation page XX . The loan meets XXXXX guidelines. Resolved. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.XX(X)(X)(X)) The comparable XXXX for this loan is (X.X%).(XX XXX XXXXX.XX(X)(X)(X)) The loan's (XX.XXX%) APR equals or exceeds the Federal XXXXX threshold of (XX.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.X%).(XX XXX XXXXX.XX(X)(X)(X)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXXX.XX(X)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Rate lock date was entered correctly – see Pg#’s XXXAn interior and exterior appraisal was completed for this property – see pg#XX, XXXX Appraisal Disclosure provided on page XXX. The copy of appraisal sent to borrower confirmation page XX . The loan meets XXXXX guidelines. Resolved. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2904103 | N/A | N/A | |||||
| XXXX | XXXX | 4859264 | Closed | 2024-12-03 03:13 | 2025-01-16 10:31 | Acknowledged | 2 - Non-Material | C | B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Acknowledged- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Open-The Washington Consumer Loan Act prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX; WAC XXX-XXX-XXX(X)) All the fees and cost are updated as per XXXX documents, but unable to resolve the state specific finding in mavent fail. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2915889 | Originator Post-Close | No | |||||
| XXXX | XXXX | 4859264 | Closed | 2024-12-03 03:13 | 2025-01-16 10:31 | Acknowledged | 2 - Non-Material | C | B | Compliance | Fees:Limited | Washington - Maximum Lender Fees (01/09) | Acknowledged- - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Open-Under the Washington Consumer Loan Act, a lender may not charge a "loan origination fee" exceeding X% of the first $XX,XXX and X% thereafter of the remaining loan amount. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX(X)). All the fees and cost are updated as per XXXX documents, but unable to resolve the state specific finding in mavent fail. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2915893 | Originator Post-Close | No | |||||
| XXXX | XXXX | 4859264 | Closed | 2024-12-04 16:42 | 2025-01-16 10:31 | Resolved | 1 - Information | C | A | Compliance | Mavent | Tolerance: Disclosure | Resolved-Fees updated. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-XX.XX is paid to XXXX not to lender. - Seller-XX/XX/XXXX Open-There are ($XX.XX) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under XXXXXXXXXX X, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (XX XXX XXXXX.XX(X)(X); XX XXX XXXXX.XX(X)(X)) - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-XX.XX is paid to XXXX not to lender. - Seller-XX/XX/XXXX |
Resolved-Fees updated. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2933563 | N/A | N/A | ||||
| XXXX | XXXX | 4859264 | Closed | 2024-12-04 16:42 | 2025-01-16 10:31 | Resolved | 1 - Information | C | A | Compliance | Mavent | Tolerance: Disclosure | Resolved-Fees updated. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Fee paid to XXXXXXXXX XXXXXXXX XXX. - Seller-XX/XX/XXXX Open-There are ($XXX.XX) of fees paid to a third-party provider disclosed under Section A "Origination Charges". Under XXXXXXXXXX X, charges included under the subheading "Origination Charges" on the Loan Estimate and Closing Disclosure are those charges paid to the creditor and the mortgage broker (if applicable) for originating and extending the credit. (XX XXX XXXXX.XX(X); XX XXX XXXXX.XX(X)) - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Fee paid to XXXXXXXXX XXXXXXXX XXX. - Seller-XX/XX/XXXX |
Resolved-Fees updated. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2933564 | N/A | N/A | ||||
| XXXX | XXXX | 4859264 | Closed | 2024-12-04 16:11 | 2025-01-16 09:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX Ready for Review-Gap not required based on note date to credit report date. - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
Ready for Review-Gap not required based on note date to credit report date. - Seller-XX/XX/XXXX |
Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXX XXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2933358 | N/A | N/A | ||||
| XXXX | XXXX | 4859264 | Closed | 2024-12-04 16:11 | 2025-01-16 09:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/16/2025 Ready for Review-Gap not required based on note date to credit report date. - Seller-01/14/2025 Open-Borrower 2 Gap Credit Report is Missing. - Due Diligence Vendor-12/04/2024 |
Ready for Review-Gap not required based on note date to credit report date. - Seller-01/14/2025 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/16/2025 |
WA | Primary Residence | Refinance | Cash Out - Other | 2933359 | N/A | N/A | ||||
| XXXX | XXXX | 4859264 | Closed | 2024-12-04 15:52 | 2025-01-16 08:30 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-CU updated to file. - Due Diligence Vendor-01/16/2025 Ready for Review-Document Uploaded. XXXX - Seller-01/14/2025 Open-Second Appraisal/ Valuation is Missing Required for Securitizations Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing in file. - Due Diligence Vendor-12/04/2024 |
Ready for Review-Document Uploaded. Fannie SSR - Seller-01/14/2025 |
Resolved-CU updated to file. - Due Diligence Vendor-01/16/2025 |
XXXX | WA | Primary Residence | Refinance | Cash Out - Other | 2933234 | N/A | N/A | |||
| XXXX | XXXX | 4859264 | Closed | 2024-12-03 03:32 | 2025-01-16 08:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/16/2025 Ready for Review-Document Uploaded. 1003 Revised - Seller-01/14/2025 Open-The Final 1003 is Incomplete B1 1003 reflecting employer/ business as Wage with no percentage of ownership, where as per income qualified with personal tax returns schedule C. B2 1003 reflecting as other income whereas per supporting documents B2 qualified with wage income from employer. - Due Diligence Vendor-12/03/2024 |
Ready for Review-Document Uploaded. 1003 Revised - Seller-01/14/2025 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-01/16/2025 |
XXXX | WA | Primary Residence | Refinance | Cash Out - Other | 2915962 | N/A | N/A | |||
| XXXX | XXXX | 4859264 | Closed | 2024-12-03 03:15 | 2025-01-16 07:43 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-Value updated. - Due Diligence Vendor-01/16/2025 Ready for Review-Document Uploaded. 1008 PCCD updated value to 550k. - Seller-01/14/2025 Open-Provided appraisal with value as $XXXX, whereas all closing documents reflecting property value as $XXXX. - Due Diligence Vendor-12/03/2024 |
Ready for Review-Document Uploaded. 1008 PCCD updated value to XXXX. - Seller-01/14/2025 |
Resolved-Value updated. - Due Diligence Vendor-01/16/2025 |
XXXX | WA | Primary Residence | Refinance | Cash Out - Other | 2915900 | N/A | N/A | |||
| XXXX | XXXX | 4859264 | Seller | 2024-12-03 03:51 | 2025-09-08 15:00 | Counter | 3 - Material | D | D | Credit | Missing Doc | 1008 Document is Missing | Counter-The 1008 has updated appraisal value, however the LTV is not updated. - Due Diligence Vendor-01/31/2025 Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-01/31/2025 Ready for Review-Document Uploaded. Updated 1008 attached. - Seller-01/29/2025 Counter-The 1008 document is missing from the loan file. The 1008 has updated appraisal value, however the LTV is not updated. - Due Diligence Vendor-01/16/2025 Ready for Review-Document Uploaded. 1008 Attached. - Seller-01/14/2025 Open-The 1008 document is missing from the loan file. 1008 document is missing with information of first lien balance. Since subject is second lien, first lien details should be present. Reflecting selection for Risk Assessment is OTHER, where in general it has to be Manual Underwriting. - Due Diligence Vendor-12/03/2024 |
Ready for Review-Document Uploaded. Updated 1008 attached. - Seller-01/29/2025 Ready for Review-Document Uploaded. 1008 Attached. - Seller-01/14/2025 |
XXXX | WA | Primary Residence | Refinance | Cash Out - Other | 2916033 | N/A | N/A | ||||
| XXXX | XXXX | 4859264 | Seller | 2024-12-04 16:10 | 2025-02-06 11:01 | Counter | 3 - Material | D | D | Credit | Missing Doc | Borrower 2 Paystubs Missing | Counter-Currently being reviewed by investor as Client states unable to Resolve - Due Diligence Vendor-02/06/2025 Unable to Resolve-Unable to Resolve-Those are all we have in the file, if you blow them up you can read them. - Seller-01/29/2025 Counter-The attached paystubs are not legible. - Due Diligence Vendor-01/16/2025 Ready for Review-Document Uploaded. Paystubs attached, needs to be blown up but readable. - Seller-01/14/2025 Open-Borrower 2 Paystubs Missing The paystubs provided are not legible. Requesting updated paystubs. - Due Diligence Vendor-12/04/2024 |
Unable to Resolve-Unable to Resolve-Those are all we have in the file, if you blow them up you can read them. - Seller-01/29/2025 Ready for Review-Document Uploaded. Paystubs attached, needs to be blown up but readable. - Seller-01/14/2025 |
XXXX | WA | Primary Residence | Refinance | Cash Out - Other | 2933353 | N/A | N/A | ||||
| XXXX | XXXX | 4859264 | Seller | 2024-12-04 16:47 | 2025-01-31 11:02 | Counter | 3 - Material | D | D | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Counter-The Self Employed Income Calculator shows income of $5460.25 and the 1008 shows income for borrower 1 as $5,451.92. - Due Diligence Vendor-01/31/2025 Ready for Review-Document Uploaded. Income worksheets attached. - Seller-01/29/2025 Counter-Borrower 1 is self employed, Borrower 2 is a W-2 Wage Earner. Per XXXX guidelines, The lender must prepare a written evaluation of its analysis of a self-employed borrower’s personal income, including the business income or loss, reported on the borrower’s individual income tax returns. The purpose of this written analysis is to determine the amount of stable and continuous income that will be available to the borrower. - Due Diligence Vendor-01/16/2025 Ready for Review-Not required per guidelines. Standard XXXX calculations used. - Seller-01/14/2025 Open-Missing Lender Income Calculation Worksheet for both borrower 1 and 2. - Due Diligence Vendor-12/04/2024 |
Ready for Review-Document Uploaded. Income worksheets attached. - Seller-01/29/2025 Ready for Review-Not required per guidelines. Standard XXXX calculations used. - Seller-01/14/2025 |
XXXX | WA | Primary Residence | Refinance | Cash Out - Other | 2933581 | N/A | N/A | ||||
| XXXX | XXXX | 4859264 | Seller | 2024-12-03 00:43 | 2025-01-31 08:00 | Counter | 3 - Material | D | D | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Counter-As per page 397 Employment Verification Form states Prior to funding your loan, we will verify your employment status. Per guidelines as well as Falling back to XXXX guidelines if Lender guides do not address. VOE is required to verify consistent employment. If done by phone Requirements are that it be documented in a processors cert with the following information included name and title of the person who confirmed the employment for the lender, 1. Name and title of the person who completed the verification for the employer, 2. Date of the call, and 3. The source of the phone number. Requesting VOE. - Due Diligence Vendor-01/31/2025 Ready for Review-Section 8.4.1 Full Doc - W2 borrower - "may or may not", underwriter for ease of use did not obtain a verbal verification, based on the overall documentation and loan file. - Seller-01/29/2025 Counter-As per page 397 Employment Verification Form states Prior to funding your loan, we will verify your employment status. Requesting VOE. - Due Diligence Vendor-01/16/2025 Ready for Review-Funding VOE not required per guidelines. - Seller-01/14/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Verified subject loan was qualified with Full doc. Provided VVOE on pg-397 does not have verified date to mention and print date of the document is on XXXX. - Due Diligence Vendor-12/03/2024 |
Ready for Review-Section 8.4.1 Full Doc - W2 borrower - "may or may not", underwriter for ease of use did not obtain a verbal verification, based on the overall documentation and loan file. - Seller-01/29/2025 Ready for Review-Funding VOE not required per guidelines. - Seller-01/14/2025 |
WA | Primary Residence | Refinance | Cash Out - Other | 2915639 | N/A | N/A | |||||
| XXXX | XXXX | 4859264 | Seller | 2024-12-03 00:43 | 2025-01-31 08:00 | Counter | 3 - Material | D | D | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Counter-As per page 397 Employment Verification Form states Prior to funding your loan, we will verify your employment status. Per guidelines as well as Falling back to FNMA guidelines if Lender guides do not address. VOE is required to verify consistent employment. If done by phone Requirements are that it be documented in a processors cert with the following information included name and title of the person who confirmed the employment for the lender, 1. Name and title of the person who completed the verification for the employer, 2. Date of the call, and 3. The source of the phone number. Requesting VOE. - Due Diligence Vendor-01/31/2025 Ready for Review-Section 8.4.1 Full Doc - W2 borrower - "may or may not", underwriter for ease of use did not obtain a verbal verification, based on the overall documentation and loan file. - Seller-01/29/2025 Counter-As per page 397 Employment Verification Form states Prior to funding your loan, we will verify your employment status. Requesting VOE. , - Due Diligence Vendor-01/16/2025 Ready for Review-Funding VOE not required per guidelines. - Seller-01/14/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing Verified subject loan was qualified with Full doc. Provided VVOE on pg-397 does not have verified date to mention and print date of the document is on 2012. - Due Diligence Vendor-12/03/2024 |
Ready for Review-Section 8.4.1 Full Doc - W2 borrower - "may or may not", underwriter for ease of use did not obtain a verbal verification, based on the overall documentation and loan file. - Seller-01/29/2025 Ready for Review-Funding VOE not required per guidelines. - Seller-01/14/2025 |
WA | Primary Residence | Refinance | Cash Out - Other | 2915641 | N/A | N/A | |||||
| XXXX | XXXX | 4859264 | Closed | 2024-12-03 03:13 | 2025-01-16 10:31 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.741%) APR equals or exceeds the Federal HPML threshold of (9.57%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.07%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’82 Rate lock date was entered correctly – see Pg#’s 249 An interior and exterior appraisal was completed for this property – see pg#10, ECOA Appraisal Disclosure OR the LE’s page as the page#3274. confirmation the appraisal was delivered to the borrower – 103. - Due Diligence Vendor-01/16/2025 Resolved-The loan's (10.741%) APR equals or exceeds the Federal HPML threshold of (9.57%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.07%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’82 Rate lock date was entered correctly – see Pg#’s 249 An interior and exterior appraisal was completed for this property – see pg#10, ECOA Appraisal Disclosure OR the LE’s page as the page#3274. confirmation the appraisal was delivered to the borrower – 103. - Due Diligence Vendor-12/03/2024 |
Resolved-The loan's (10.741%) APR equals or exceeds the Federal HPML threshold of (9.57%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.07%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’82 Rate lock date was entered correctly – see Pg#’s 249 An interior and exterior appraisal was completed for this property – see pg#10, ECOA Appraisal Disclosure OR the LE’s page as the page#3274. confirmation the appraisal was delivered to the borrower – 103. - Due Diligence Vendor-01/16/2025 Resolved-The loan's (10.741%) APR equals or exceeds the Federal HPML threshold of (9.57%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.07%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’82 Rate lock date was entered correctly – see Pg#’s 249 An interior and exterior appraisal was completed for this property – see pg#10, ECOA Appraisal Disclosure OR the LE’s page as the page#3274. confirmation the appraisal was delivered to the borrower – 103. - Due Diligence Vendor-12/03/2024 |
WA | Primary Residence | Refinance | Cash Out - Other | 2915891 | N/A | N/A | |||||
| XXXX | XXXX | 4859265 | Closed | 2024-12-03 05:10 | 2025-01-31 07:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage statement showing current monthly PITI and UPB is acceptable - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-We do obtain note, unless there is a balloon or ARM, and if either of those we can obtain Note of DOT riders showing terms of those items. This is a standard fixed rate, we simply get the mortgage statement. - Seller-XX/XX/XXXX Counter-Since subject loan is 2nd Lien, require subordinate lien Note and Mortgage which is missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Billing Statement attached. - Seller-XX/XX/XXXX Open-Since subject loan is 2nd Lien, require subordinate lien documents in file which is missing. - Due Diligence Vendor-XX/XX/XXXX |
Unable to Resolve-Unable to Resolve-We do obtain note, unless there is a balloon or ARM, and if either of those we can obtain Note of DOT riders showing terms of those items. This is a standard fixed rate, we simply get the mortgage statement. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Billing Statement attached. - Seller-XX/XX/XXXX |
Resolved-Mortgage statement showing current monthly PITI and UPB is acceptable - Due Diligence Vendor-XX/XX/XXXX |
XXXXX sub financing statement.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 2916371 | N/A | N/A | |||
| XXXX | XXXX | 4859265 | Closed | 2024-12-04 14:29 | 2025-01-16 13:01 | Resolved | 1 - Information | C | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Verified Secondary Valuation provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXX SSR Attached. - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation has not in file per securitization requirements - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXX SSR Attached. - Seller-XX/XX/XXXX |
Resolved-Verified Secondary Valuation provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX SSR.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 2932551 | N/A | N/A | |||
| XXXX | XXXX | 4859265 | Closed | 2024-12-03 03:59 | 2025-01-15 02:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. 1008 Update - Seller-XX/XX/XXXX Open-The 1008 document is missing from the loan file. Missing information for first lien balance. Since subject is second lien, first lien details should be present. also missing HOA fee - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. 1008 Update - Seller-XX/XX/XXXX |
Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX 1008.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 2916054 | N/A | N/A | |||
| XXXX | XXXX | 4859265 | Closed | 2024-12-03 05:51 | 2024-12-17 16:25 | Acknowledged | 2 - Non-Material | C | B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-XX/XX/XXXX Open-The Washington Consumer Loan Act prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX; WAC XXX-XXX-XXX(X)) All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2916562 | Originator Post-Close | No | |||||
| XXXX | XXXX | 4859265 | Closed | 2024-12-03 05:51 | 2024-12-17 16:25 | Acknowledged | 2 - Non-Material | C | B | Compliance | Fees:Limited | Washington - Maximum Lender Fees (01/09) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-XX/XX/XXXX Open-Under the Washington Consumer Loan Act, a lender may not charge a "loan origination fee" exceeding X% of the first $XX,XXX and X% thereafter of the remaining loan amount. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX(X)). All the fees and cost are updated as per TRID documents, but unable to resolve the state specific finding in mavent fail. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2916564 | Originator Post-Close | No | |||||
| XXXX | XXXX | 4859265 | Seller | 2024-12-03 04:42 | 2025-02-03 17:02 | Counter | 3 - Material | D | D | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Counter-As per page XXX Employment Verification Form states Prior to funding your loan, we will verify your employment status. Requesting VOE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Section X.X.X Full Doc - W2 borrower - "may or may not", underwriter for ease of use did not obtain a verbal verification, based on the overall documentation and loan file. - Seller-XX/XX/XXXX Counter-As per page XXX Employment Verification Form states Prior to funding your loan, we will verify your employment status. Requesting VOE. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Funding VOE not required per guidelines. - Seller-XX/XX/XXXX Open-Borrower X 3rd Party VOE Prior to Close Missing Verified subject loan was qualified with Full doc. Provided VVOE on pg-XXX does not have verified date to mention and print date of the document is on XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Section X.X.X Full Doc - W2 borrower - "may or may not", underwriter for ease of use did not obtain a verbal verification, based on the overall documentation and loan file. - Seller-XX/XX/XXXX Ready for Review-Funding VOE not required per guidelines. - Seller-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2916223 | N/A | N/A | |||||
| XXXX | XXXX | 4859265 | Closed | 2024-12-03 05:51 | 2024-12-04 14:56 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.X%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’XX Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE’s page as the page#XXX. confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (XX.X%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly. All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow “on Closed end Seconds only. Final Closing disclosure on Pg#’XX Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE’s page as the page#XXX. confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. - Due Diligence Vendor-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2916563 | N/A | N/A | |||||
| XXXX | XXXX | 4859269 | Closed | 2024-12-04 00:59 | 2025-01-31 05:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-received income calc - resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Income Calculation Attached. - Seller-XX/XX/XXXX Counter-I need to be able to determine how your U/W arrived at $X,XXX.XX monthly for the borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required per guidelines. Using XX.XX per hour, full time. Supported by YTD and prior year W2. - Seller-XX/XX/XXXX Open-Provide Lender Income Calculation Worksheet as is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Income Calculation Attached. - Seller-XX/XX/XXXX Ready for Review-Not required per guidelines. Using XX.XX per hour, full time. Supported by YTD and prior year W2. - Seller-XX/XX/XXXX |
Resolved-received income calc - resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX Income Calc.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 2925100 | N/A | N/A | |||
| XXXX | XXXX | 4859269 | Closed | 2024-12-04 01:21 | 2025-01-16 11:20 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXX SSR Attached. - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation is missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXX SSR Attached. - Seller-XX/XX/XXXX |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX SSR.pdf | WA | Primary Residence | Refinance | Cash Out - Other | 2925220 | N/A | N/A | |||
| XXXX | XXXX | 4859269 | Closed | 2024-12-04 02:16 | 2024-12-17 16:25 | Acknowledged | 2 - Non-Material | C | B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-XX/XX/XXXX Open-The Washington Consumer Loan Act prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX; WAC XXX-XXX-XXX(X)) WA state only allows “a Loan Origination Fee, Loan Discount, or Commitment Fee, whereas Final CD document reflecting Section A “Processing fees. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the Washington Consumer Loan Act (the “WA APL’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL’s. - Due Diligence Vendor-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2925340 | Originator Post-Close | No | |||||
| XXXX | XXXX | 4859269 | Closed | 2024-12-04 02:16 | 2024-12-17 16:25 | Acknowledged | 2 - Non-Material | C | B | Compliance | Fees:Limited | Washington - Maximum Lender Fees (01/09) | Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXXXXXXXXXXXXXXXXXXXX (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Open-Under the XXXXXXXXXXXXXXXXXXXXXXXXXXXX, a lender may not charge a "loan origination fee" exceeding X% of the first $XX,XXX and X% thereafter of the remaining loan amount. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX(X)). WA state only allows “a Loan Origination Fee, Loan Discount, or Commitment Fee, whereas Final CD document reflecting Section A “Processing fees. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Acknowledged-Confirmed with outside counsel that the state anti-predatory provisions in the XXXXXXXXXXXXXXXXXXXXXXXXXXXX (the “XX XXX’s”) are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX’s. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2925344 | Originator Post-Close | No | |||||
| XXXX | XXXX | 4859269 | Seller | 2025-01-16 11:41 | 2025-02-03 17:02 | Counter | 3 - Material | D | D | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Counter-Borrower 1 3rd Party VOE Prior to Close Missing. "Per guidelines as well as Falling back to XXXXX guidelines if Lender guides do not address. VOE is required to verify consistent employment. If done by phone Requirements are that it be documented in a processors cert with the following information included name and title of the person who confirmed the employment for the lender, 1. Name and title of the person who completed the verification for the employer, 2. Date of the call, and 3. The source of the phone number." - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Ready for Review-Section 8.4.1 Full Doc - W2 borrower - "may or may not", underwriter for ease of use did not obtain a verbal verification, based on the overall documentation and loan file. - Seller-XX/XX/XXXX Open-Borrower 1 3rd Party VOE Prior to Close Missing. "Per guidelines as well as Falling back to XXXXX guidelines if Lender guides do not address. VOE is required to verify consistent employment. If done by phone Requirements are that it be documented in a processors cert with the following information included name and title of the person who confirmed the employment for the lender, 1. Name and title of the person who completed the verification for the employer, 2. Date of the call, and 3. The source of the phone number." - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Ready for Review-Section 8.4.1 Full Doc - W2 borrower - "may or may not", underwriter for ease of use did not obtain a verbal verification, based on the overall documentation and loan file. - Seller-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 3223413 | N/A | N/A | |||||
| XXXX | XXXX | 4859269 | Closed | 2024-12-04 02:16 | 2024-12-05 13:36 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Meets HPLM Requirements - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met, TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#195,191, An interior and exterior appraisal was completed for this property – see pg#10, Final CD is on page #237 the appraisal disclosure was provided to the borrower pg. #8 and copy of the appraisal was given to the borrower – see Pg#78,217. The loan meets HPML guidelines. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
Resolved-Meets HPLM Requirements - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met, TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#195,191, An interior and exterior appraisal was completed for this property – see pg#10, Final CD is on page #237 the appraisal disclosure was provided to the borrower pg. #8 and copy of the appraisal was given to the borrower – see Pg#78,217. The loan meets HPML guidelines. - XXXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |
WA | Primary Residence | Refinance | Cash Out - Other | 2925342 | N/A | N/A |