|
Rating Agency Grades
|
|||||
|
Run Date - 6/5/2026 3:00:54 PM
|
|||||
|
LOAN INFORMATION
|
INITIAL CREDIT LOAN GRADES
|
INITIAL COMPLIANCE LOAN GRADES
|
INITIAL PROPERTY LOAN GRADES
|
INITIAL OVERALL LOAN GRADES
|
FINAL CREDIT LOAN GRADES
|
FINAL COMPLIANCE LOAN GRADES
|
FINAL PROPERTY LOAN GRADES
|
FINAL OVERALL LOAN GRADES
|
|||||||||||||||||||||||||||||||||||||||||||||
|
AMC Loan ID
|
Customer Loan ID
|
Seller Loan ID
|
Investor Loan Number
|
Deal Number
|
Original Loan Amount
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
|
XXXX
|
1
|
XXXX
|
D
|
D
|
D
|
D
|
CD
|
D
|
B
|
B
|
B
|
B
|
RB
|
B
|
A
|
A
|
A
|
A
|
VA
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
XXXX
|
2
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
C
|
C
|
C
|
C
|
RC
|
C
|
A
|
A
|
A
|
A
|
VA
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
XXXX
|
3
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
C
|
C
|
C
|
C
|
RC
|
C
|
A
|
A
|
A
|
A
|
VA
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
XXXX
|
4
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
A
|
A
|
A
|
A
|
RA
|
A
|
A
|
A
|
A
|
A
|
VA
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
XXXX
|
5
|
XXXX
|
B
|
B
|
B
|
B
|
CB
|
B
|
B
|
B
|
B
|
B
|
RB
|
B
|
A
|
A
|
A
|
A
|
VA
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
|||
|
XXXX
|
6
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
C
|
C
|
C
|
C
|
RC
|
C
|
A
|
A
|
A
|
A
|
VA
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
|||
|
XXXX
|
7
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
C
|
C
|
C
|
C
|
RC
|
C
|
A
|
A
|
A
|
A
|
VA
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
|||
|
XXXX
|
8
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
B
|
B
|
B
|
B
|
RB
|
B
|
C
|
C
|
C
|
C
|
VC
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
|||
|
XXXX
|
9
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
C
|
C
|
C
|
C
|
RC
|
C
|
A
|
A
|
A
|
A
|
VA
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
XXXX
|
10
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
C
|
C
|
C
|
C
|
RC
|
C
|
A
|
A
|
A
|
A
|
VA
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
|||
|
XXXX
|
11
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
B
|
B
|
B
|
B
|
RB
|
B
|
A
|
A
|
A
|
A
|
VA
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
XXXX
|
12
|
XXXX
|
A
|
A
|
A
|
A
|
CA
|
A
|
B
|
B
|
B
|
B
|
RB
|
B
|
A
|
A
|
A
|
A
|
VA
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
XXXX
|
13
|
XXXX
|
A
|
A
|
A
|
A
|
CA
|
A
|
A
|
A
|
A
|
A
|
RA
|
A
|
C
|
C
|
C
|
C
|
VC
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
XXXX
|
14
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
B
|
B
|
B
|
B
|
RB
|
B
|
A
|
A
|
A
|
A
|
VA
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
|||
|
XXXX
|
15
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
C
|
C
|
C
|
C
|
RC
|
C
|
A
|
A
|
A
|
A
|
VA
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
|||
|
XXXX
|
16
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
C
|
C
|
C
|
C
|
RC
|
C
|
A
|
A
|
A
|
A
|
VA
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
XXXX
|
17
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
B
|
B
|
B
|
B
|
RB
|
B
|
A
|
A
|
A
|
A
|
VA
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
XXXX
|
18
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
B
|
B
|
B
|
B
|
RB
|
B
|
C
|
C
|
C
|
C
|
VC
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
XXXX
|
19
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
C
|
C
|
C
|
C
|
RC
|
C
|
A
|
A
|
A
|
A
|
VA
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
XXXX
|
20
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
A
|
A
|
A
|
A
|
RA
|
A
|
A
|
A
|
A
|
A
|
VA
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||
|
XXXX
|
21
|
XXXX
|
C
|
C
|
C
|
C
|
CC
|
C
|
C
|
C
|
C
|
C
|
RC
|
C
|
A
|
A
|
A
|
A
|
VA
|
A
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
B
|
|||
|
Exception Grades
|
||||
|
Run Date - 6/5/2026 3:00:55 PM
|
||||
|
SitusAMC Loan ID
|
Customer Loan ID
|
Seller Loan ID
|
Investor Loan Number
|
Loan Exception ID
|
Exception ID
|
Exception Date
|
Exception Type
|
Exception Category
|
Exception Subcategory
|
15E Category
|
Exception
|
Exception Detail
|
Exception Information
|
Compensating Factors
|
Compensating Factor Information
|
Applying Party
|
Follow-up Comments
|
Cleared Date
|
Cured Date
|
Waived Date
|
Exception Level Grade
|
DBRS Initial Exception Rating
|
DBRS Final Exception Rating
|
Fitch Initial Exception Rating
|
Fitch Final Exception Rating
|
Kroll Initial Exception Rating
|
Kroll Final Exception Rating
|
Moody's Initial Exception Rating
|
Moody's Final Exception Rating
|
S&P Initial Exception Rating
|
S&P Final Exception Rating
|
Note Date
|
Property State
|
Occupancy
|
Purpose
|
Exception Remediation
|
Overall
Initial Loan Grade |
Overall
Final Loan Grade |
Credit
Initial Loan Grade |
Credit
Final Loan Grade |
Compliance
Initial Loan Grade |
Compliance
Final Loan Grade |
Property
Initial Loan Grade |
Property
Final Loan Grade |
Originator QM ATR Status
|
TPR QM ATR Status
|
Is Curable
|
|
XXXX
|
1
|
XXXX
|
|
36464013
|
|
|
Credit
|
Missing Document
|
General
|
Missing Document
|
Missing Document: Wire Instructions not provided
|
|
The file was missing a copy of the lender's wiring instructions.
|
|
|
|
Reviewer Comment (2018-04-13): Seller provided a copy of the wiring instructions.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
1
|
XXXX
|
|
36464014
|
|
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Loan Package Documentation
|
Missing Document: Purchase Agreement / Sales Contract not provided
|
|
The file contained a copy of the addendum to the purchase agreement. Provide a complete copy of the purchase agreement.
|
|
|
|
Reviewer Comment (2018-04-13): Seller provided a copy of the complete purchase agreement.
|
XX/XX/XXXX
|
|
|
1
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
1
|
XXXX
|
|
36464015
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Final Closing Disclosure Closing Date
|
TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [redacted] disclosed a Closing Date that did not match
the actual date of consummation. (Final/[redacted])
|
Final CD reflects Closing Date of [redacted], but transaction consummation (mortgage notary) date was [redacted]. Provide a post-close CD correcting
the closing date to match the notary date and a copy of the letter of explanation to the borrower disclosing the changes made.
|
|
|
|
Reviewer Comment (2018-04-13): Seller provided a post-close CD correcting the closing date.
|
|
XX/XX/XXXX
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
Letter of Explanation & Corrected Closing Disclosure
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
1
|
XXXX
|
|
36464016
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure
|
TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/[redacted])
|
TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing
Disclosure. Seller's CD shows [redacted] in seller paid closing costs, borrower's final CD shows [redacted]. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the
changes made.
|
|
|
|
Reviewer Comment (2018-04-05): Client elected to waive the condition
|
|
|
XX/XX/XXXX
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
Letter of Explanation & Corrected Closing Disclosure
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
1
|
XXXX
|
|
36464017
|
|
|
Credit
|
Title
|
Document Error
|
Title
|
There is no dollar amount noted on the title policy.
|
|
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an
addendum to the preliminary report verifying title insurance of at least the loan amount.
|
|
|
|
Reviewer Comment (2018-04-13): Seller provided a copy of the final title policy verifying sufficient title insurance.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
1
|
XXXX
|
|
36464018
|
|
|
Credit
|
Asset
|
Asset Documentation
|
Asset
|
Guideline Issue:Insufficient asset documentation.
|
Financial Institution: [redacted] / End Date: [redacted] // Account Type: Mutual Funds / Account Number: [redacted]
|
The file contained one months' statement for the stock account used to qualify dated [redacted] Provide an additional months statement to meet the
guideline requirement of [redacted] months' consecutive statements. Note: these assets are required to meet the guideline reserve requirement.
|
|
|
|
Reviewer Comment (2018-04-13): Seller provided a copy of the additional months statement.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
1
|
XXXX
|
|
36464019
|
|
|
Credit
|
Credit
|
Credit Documentation
|
Guideline
|
Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided
|
|
The file was missing proof of the borrowers rental history within the last [redacted] months. Per the final [redacted] the borrowers rented the
departure residence for [redacted] months and rented for the [redacted] months prior to that. The file contained proof of the [redacted] and [redacted] rent payments and a copy of the lease agreement; however the file was missing proof of
the [redacted] payment and the [redacted] month rental payment for the prior residence, as required by the guidelines.
|
|
|
|
Reviewer Comment (2018-05-17): Seller provided cancelled checks and bank statements to verify the rental history.
Reviewer Comment (2018-04-27): Seller provided a rebuttal stating a VOR was not obtained since the borrowers had a mortgage during that time which was paid and closed. However, the guidelines require all housing history to be verified for the last [redacted] months. Condition remains Reviewer Comment (2018-04-13): Seller provided the same documentation that was provided in the original file. The file is missing proof of the borrowers rental history from [redacted] to [redacted] to verify a full [redacted] months history. Condition remains |
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
2
|
XXXX
|
|
36464021
|
|
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Missing Document
|
Missing Document: Fraud Report not provided
|
|
The file was missing a copy of the required fraud report including all interested parties to the transaction. Provide a fraud report to include the
borrowers, seller, listing and selling agents, the appraiser, and the loan originator, as required by the guidelines. Note: the file contained LDP/GSA results for all of the participants; however the OFAC search is also required to be
performed per the guidelines.
|
|
|
|
Reviewer Comment (2018-04-18): Seller provided a copy of the fraud report including all interested parties.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
2
|
XXXX
|
|
36464022
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
Check Loan Designation Match - QM
|
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.
|
The file was missing the [redacted] K[redacted] for the borrower's income derived as a non-equity partner. The file contained the [redacted]
K[redacted]'s and the [redacted] [redacted]'s, so either the [redacted] K[redacted] or the [redacted] [redacted]'s are required to meet Appendix [redacted] requirements.
|
|
|
|
Reviewer Comment (2018-04-19): Seller provided a copy of the [redacted] K[redacted]
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
Lender to provide updated ATR/QM status
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
2
|
XXXX
|
|
36464023
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure
|
TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/[redacted])
|
TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing
Disclosure. Seller's CD shows [redacted] in seller paid closing costs, borrower's final CD shows [redacted]. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the
changes made.
|
|
|
|
Reviewer Comment (2018-04-12): The client elected to waive the condition
|
|
|
XX/XX/XXXX
|
2
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
Letter of Explanation & Corrected Closing Disclosure
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
2
|
XXXX
|
|
36464024
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]
Sufficient or excess cure was provided to the borrower at Closing. ([redacted])
|
Verified information from the closing disclosure.
|
|
|
|
|
|
XX/XX/XXXX
|
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
XXXX
|
Primary
|
Purchase
|
Final CD evidences Cure
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
2
|
XXXX
|
|
36464025
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
K-[redacted] Documentation
|
Qualified Mortgage (Dodd-Frank [redacted]): [redacted] ([redacted]) years copies of K-[redacted]s or signed tax returns/transcripts not provided for
K-[redacted] (Less than [redacted]% Ownership) income. ([redacted]/Schedule K-[redacted] less than [redacted] Percent)
|
The file was missing the [redacted] K[redacted] for the borrower's income derived as a non-equity partner. The file contained the [redacted]
K[redacted]'s and the [redacted] [redacted]'s, so either the [redacted] K[redacted] or the [redacted] [redacted]'s are required to meet Appendix [redacted] requirements.
|
|
|
|
Reviewer Comment (2018-04-19): Seller provided a copy of the [redacted] K[redacted]
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
2
|
XXXX
|
|
36464026
|
|
|
Credit
|
Credit
|
Miscellaneous
|
Guideline
|
Credit Exception:
|
|
The P&L statements and the Balance Sheets provided in the file for some of the businesses owned by the borrower identified business names that
did not match the entities name on the business tax returns. Provide additional documentation/clarification to verify the names disclosed on the P&L and Balance Sheets were one in the same as the name of the entity on the business tax
returns and K[redacted]'s.
|
|
|
|
Reviewer Comment (2018-04-19): Seller provided documentation to verify the business names disclosed on the P&L and Balance Sheets correspond with
the business returns in file.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
2
|
XXXX
|
|
36464027
|
|
|
Credit
|
Missing Document
|
General
|
Missing Document
|
Missing Document: Wire Instructions not provided
|
|
The file is missing a copy of the lender's wiring instructions.
|
|
|
|
Reviewer Comment (2018-04-19): Seller provided a copy of the lender's wiring instructions.
Reviewer Comment (2018-04-18): Seller provided an additional copy of the title companies wiring instructions. A copy of the lender's wiring instructions are required. Condition remains Reviewer Comment (2018-04-17): Seller provided a copy of the title companies wiring instructions. A copy of the lender's wiring instructions are required. Condition remains |
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
2
|
XXXX
|
|
36464028
|
|
|
Credit
|
Credit
|
Miscellaneous
|
Credit
|
Miscellaneous Credit (Non-Material):
|
|
The file is missing proof of the HOA dues for the investment property disclosed on schedule E and the final [redacted] schedule of real estate owned.
|
|
|
|
Reviewer Comment (2018-04-19): Seller provided proof of the HOA dues.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
2
|
XXXX
|
|
36464029
|
|
|
Credit
|
Credit
|
Miscellaneous
|
Credit
|
Miscellaneous Credit (Non-Material):
|
|
Provide documentation verifying the property disclosed on schedule E of the tax returns that was not disclosed on the final [redacted] was sold or
provide documentation verifying the PITI to include into the borrower's liabilities. Also, the file contained a letter of explanation from the borrower regarding HOA dues on the departure residence and the letter referenced another property
that was not listed on the final [redacted] located on North [redacted]th Street. Provide additional documentation verifying the status of that property as well.
|
|
|
|
Reviewer Comment (2018-04-19): Seller provided documentation verifying the property listed on schedule E was sold and the additional property
referenced in the file was owned by one of the borrower's partnerships and was disclosed on the [redacted]
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
3
|
XXXX
|
|
36464030
|
|
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Missing Document
|
Missing Document: Fraud Report not provided
|
|
The file was missing a copy of the required fraud report including all interested parties to the transaction. Provide a fraud report to include the
borrowers,the appraiser, and the loan originator, as required by the guidelines. Note: the file contained the GSA and LDP searches for all interested parties; however the guidelines require the OFAC list to be checked and it was not provided
in the file.
|
|
|
|
Reviewer Comment (2018-05-02): Seller provided a copy of the fraud report with all interested parties included.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Debt Consolidation
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
3
|
XXXX
|
|
36464031
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
[redacted] Income Documentation Test
|
Qualified Mortgage (Dodd-Frank [redacted]): Self-employed income documentation not sufficient ([redacted]). ([redacted]/Schedule C)
|
The file was missing a copy of the YTD Balance Sheet for the borrower's [redacted], as required by Appendix [redacted].
|
|
|
|
Reviewer Comment (2018-05-08): Seller provided a YTD Balance Sheet for the borrowers [redacted].
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Debt Consolidation
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
3
|
XXXX
|
|
36464032
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
[redacted] Income Documentation Test
|
Qualified Mortgage (Dodd-Frank [redacted]): Self-employed income documentation not sufficient ([redacted]). ([redacted]/Schedule C)
|
The file was missing a copy of the YTD Balance Sheet for the co-borrower's [redacted], as required by Appendix [redacted].
|
|
|
|
Reviewer Comment (2018-05-08): Seller provided a YTD Balance Sheet for the borrowers [redacted].
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Debt Consolidation
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
3
|
XXXX
|
|
36464033
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
Check Loan Designation Match - QM
|
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.
|
The file was missing a copy of the YTD Balance Sheet for the borrower's and the co-borrower's [redacted]s, as required by Appendix [redacted].
|
|
|
|
Reviewer Comment (2018-05-08): Seller provided a YTD Balance Sheet for the borrowers [redacted].
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Debt Consolidation
|
Lender to provide updated ATR/QM status
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
3
|
XXXX
|
|
36464034
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Final Closing Disclosure Closing Date
|
TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [redacted] disclosed a Closing Date that did not match
the actual date of consummation. (Final/[redacted])
|
Disclosure reflects Closing Date of [redacted], but transaction consummation (mortgage notary) date was [redacted]. Provide a post-close CD and a
copy of the letter of explanation to the borrower disclosing the changes made. Note: the file contained a post-close CD issued [redacted] that corrected the closing date; however the file was missing a copy of the letter of explanation sent
to the borrowers disclosing the changes made.
|
|
|
|
Reviewer Comment (2018-05-02): Seller provided a post-close CD correcting the closing date.
|
|
XX/XX/XXXX
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Debt Consolidation
|
Letter of Explanation & Corrected Closing Disclosure
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
3
|
XXXX
|
|
36464035
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Final Closing Disclosure Homeowner's Insurance Premium Months
|
TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [redacted] disclosed homeowner's insurance under Prepaids that
does not match amount per month calculation. (Final/[redacted])
|
Per section F of the final CD and the post-close CD, the borrower paid $[redacted] for the [redacted] month premium of Homeowner's insurance; however
the homeowner's insurance documentation in the file verified an annual premium of $[redacted] It appears that the Flood Insurance premium was entered incorrectly as the homeowner's insurance premium. Provide a post-close CD correcting the
amount paid at closing to reflect the Flood Insurance premium and a copy of the letter of explanation sent to the borrowers disclosing the changes made.
|
|
|
|
Reviewer Comment (2018-05-03): Per the [redacted] compliance department, the flood insurance being disclosed as homeowner's insurance in section F is
acceptable.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Debt Consolidation
|
Letter of Explanation & Corrected Closing Disclosure
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
3
|
XXXX
|
|
36464036
|
|
|
Credit
|
Title
|
Document Error
|
Title
|
There is no dollar amount noted on the title policy.
|
|
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum
to the preliminary report verifying title insurance of at least the loan amount.
|
|
|
|
Reviewer Comment (2018-05-02): Seller provided a copy of the final title policy verifying sufficient title insurance.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Debt Consolidation
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
3
|
XXXX
|
|
36464037
|
|
|
Credit
|
Loan Package Documentation
|
Loan File
|
Missing Document
|
Missing Document: Hazard Insurance Policy not provided
|
|
The homeowner's insurance declarations page in the file did not disclose the property address in the Property Information section
(Location/Description). Provide a revised homeowner's insurance declarations page or policy identifying the subject property as the property insured.
|
|
|
|
Reviewer Comment (2018-05-02): Seller provided a revised homeowner's insurance dec page including the property address.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Debt Consolidation
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
4
|
XXXX
|
|
36464038
|
|
|
Credit
|
Asset
|
Asset Documentation
|
Asset
|
Guideline Issue:Insufficient asset documentation.
|
Financial Institution: [redacted] / End Date: [redacted] // Account Type: Stocks/Bonds / Account Number: [redacted]
|
The borrower was qualified with assets of [redacted] from a stock account. The file was missing [redacted] consecutive months' statements to verify
the assets. Note: the file contained a [redacted] printout verifying a balance of [redacted] as of [redacted]; however the file was missing the prior months' complete statements.
|
|
|
|
Reviewer Comment (2018-05-07): Seller provided a revised [redacted] and DU approval removing the stock account from the assets.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
5
|
XXXX
|
|
36464039
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM
|
Self Employed - Minor Negative Income Documentation
|
Qualified Mortgage (Dodd-Frank [redacted]): Self Employed borrower with a minor loss included in the income qualification did not provide the year to
date P&L and/or Balance Sheet.
|
The file is missing a copy of the YTD P&L and Balance Sheet for the borrower's [redacted], as required by Appendix [redacted].
|
|
|
|
Reviewer Comment (2018-05-04): Client elected to waive the condition
|
|
|
XX/XX/XXXX
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
B
|
B
|
B
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
5
|
XXXX
|
|
36464041
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted] Sufficient or excess cure was provided to the borrower at Closing. ([redacted])
|
|
|
|
|
|
|
XX/XX/XXXX
|
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
Final CD evidences Cure
|
B
|
B
|
B
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
5
|
XXXX
|
|
36464042
|
|
|
Credit
|
Loan Package Documentation
|
Closing / Title
|
Loan Package Documentation
|
Missing copy of title.
|
|
Per the guidelines, all mechanic's liens, materialman's liens, and any other liens and claims that could become liens relating to the construction
must be satisfied.
The file is missing a copy of the final title to verify no future mechanic's liens or materialman's liens are possible. The title commitment required receipt of Satisfactory Owner's Affidavit as to Mechanics liens and Possession stating that no improvements have been made or contracted for on captioned premises within [redacted] days of closing and identifying parties entitled to possession of the property, if any. |
|
|
|
Reviewer Comment (2018-05-09): Seller provided a copy of the final title policy verifying no additional liens were listed.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
B
|
B
|
B
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
6
|
XXXX
|
|
36464044
|
|
|
Credit
|
Legal / Regulatory / Compliance
|
Title / Lien Defect
|
Title
|
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
|
|
The file is missing a copy of the final title policy.
|
|
|
|
Reviewer Comment (2018-05-10): Seller provided a copy of the final title policy verifying sufficient title insurance.
|
XX/XX/XXXX
|
|
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Other
|
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
6
|
XXXX
|
|
36464045
|
|
|
Credit
|
Missing Document
|
General
|
Missing Document
|
Missing Document: Wire Instructions not provided
|
|
The file is missing a copy of the lender's wiring instructions.
|
|
|
|
Reviewer Comment (2018-05-10): Seller provided a copy of the wiring instructions
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Other
|
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
6
|
XXXX
|
|
36464047
|
|
|
Credit
|
Credit
|
Miscellaneous
|
Guideline
|
Credit Exception:
|
|
The final [redacted] disclosed the loan purpose is a No Cash-out, Rate/Term refinance; however per the [redacted] and DU, the loan is a Cash-out
refinance. Provide a revised [redacted] correcting the loan purpose.
|
|
|
|
Reviewer Comment (2018-05-10): Seller provided a revised [redacted] verifying the correct loan purpose
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Other
|
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
6
|
XXXX
|
|
36464048
|
|
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Loan Package Documentation
|
FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.
|
Disaster Name: ___
Disaster Declaration Date: ___ |
The subject property is located in [redacted] county which is in a FEMA disaster area that does not have a declared end date. The appraisal was
performed after the FEMA declaration start date but prior to the declared end date. A waiver is required or a post-disaster inspection with exterior photos verifying there was no fire damage and/or damage from mudslides and flooding after
the declared end date is identified. Note: The waiver will be processed after all other conditions are cleared. Do not upload any documentation to the condition in Cleanroom.
|
[redacted]% LTV < [redacted]% guideline max
[redacted] credit score > [redacted] guideline minimum |
|
|
Reviewer Comment (2018-05-10): Client elected to waive the condition
|
|
|
XX/XX/XXXX
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Other
|
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
6
|
XXXX
|
|
36464049
|
|
|
Credit
|
Credit
|
Credit Documentation
|
Credit
|
Missing Document: Compliance Report (Mavent, ComplianceEase, etc.) not provided
|
|
The file is missing documentation to verify the lender's QM/ATR designation.
|
|
|
|
Reviewer Comment (2018-05-17): Seller provided a copy of the Mavent report.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Other
|
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
6
|
XXXX
|
|
36464050
|
|
|
Credit
|
Loan Package Documentation
|
Closing / Title
|
Loan Package Documentation
|
Title Error: Title policy/commitment does not reflect sufficient title insurance coverage
|
|
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an
addendum to the preliminary report verifying title insurance of at least the loan amount.
|
|
|
|
Reviewer Comment (2018-05-10): Seller provided a copy of the final title policy verifying sufficient title insurance.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Other
|
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
6
|
XXXX
|
|
36464051
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
Check Loan Designation Match - QM
|
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.
|
The loan was qualified with a DTI of [redacted]%; however the [redacted] [redacted]'s for the borrower disclosed unreimbursed employee expenses of
$[redacted] per month ([redacted] average used since it is higher than [redacted]). Per the guidelines, all unreimbursed employee expenses must be including in the income calculations. The revised DTI is [redacted]%, exceeding the guideline
and QM maximum allowable DTI of [redacted]%.
|
|
|
|
Reviewer Comment (2018-06-20): Seller provided documentation verifying additional consumer debt was paid in full prior to consummation resulting in a
DTI less than the guideline and QM max.
Reviewer Comment (2018-06-06): The loan was reviewed by the [redacted] Compliance Department. Additional documentation supporting the borrowers secondary income when on leave of absence is required. Note: the additional income documentation must have been verified prior to consummation when the lender makes their determination the consumer has the ability to repay the loan. Condition remains Reviewer Comment (2018-06-04): Seller provided a rebuttal. The loan has been elevated to the [redacted] compliance department for review. Reviewer Comment (2018-05-24): Seller provided a rebuttal and revised income calculations verifying additional income for the borrower. The rebuttal states the borrower was on a Leave of Absence for different periods of time in [redacted] [redacted] and [redacted] The increased income calculations are not acceptable as they do not support a [redacted] year average for Overtime as required by Appendix Q and the borrower's numerous leave of absences question the stability of the income. Condition remains Reviewer Comment (2018-05-11): Seller provided a rebuttal stating the majority of the [redacted] expenses were for mileage, communication and tools which is not an out of pocket expense. Its just a paper write off. The seller also provided the complete [redacted] [redacted]'s with form [redacted] and an additional copy of the credit update. The credit update was used when calculating the original DTI of [redacted]%. After reviewing the [redacted] form [redacted] [redacted] was deducted for the mileage, resulting in net unreimbursed expenses of [redacted] or [redacted] The revised DTI still exceeds [redacted]% and is now [redacted]%. Condition remains |
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Other
|
Lender to provide updated ATR/QM status
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
6
|
XXXX
|
|
36464052
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
QM DTI
|
Qualified Mortgage (Dodd-Frank [redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible
for purchase, guarantee or insurance by the appropriate agency.
|
The loan was qualified with a DTI of [redacted]%; however the [redacted] [redacted]'s for the borrower disclosed unreimbursed employee expenses of
$[redacted] per month ([redacted] average used since it is higher than [redacted]). Per the guidelines, all unreimbursed employee expenses must be including in the income calculations. The revised DTI is [redacted]%, exceeding the guideline
and QM maximum allowable DTI of [redacted]%.
|
|
|
|
Reviewer Comment (2018-06-20): Seller provided documentation verifying additional consumer debt was paid in full prior to consummation resulting in a
DTI less than the guideline and QM max.
Reviewer Comment (2018-06-06): The loan was reviewed by the [redacted] Compliance Department. Additional documentation supporting the borrowers secondary income when on leave of absence is required. Note: the additional income documentation must have been verified prior to consummation when the lender makes their determination the consumer has the ability to repay the loan. Condition remains Reviewer Comment (2018-05-14): Seller provided a rebuttal stating using the updated credit report the DTI was below [redacted]%. The revised [redacted] did not reduce the income by the unreimbursed expenses. The DTI is > [redacted]%. The current DTI was calculated using income of [redacted] for the borrower (includes [redacted] ure) and [redacted] for the co-borrower (SSI stated on [redacted] was not verified less was used) for total income of [redacted]. The total debts were [redacted] ([redacted] PITI + $[redacted][redacted] Reviewer Comment (2018-05-11): Seller provided a rebuttal stating the majority of the [redacted] expenses were for mileage, communication and tools which is not an out of pocket expense. Its just a paper write off. The seller also provided the complete [redacted] [redacted]'s with form [redacted] and an additional copy of the credit update. The credit update was used when calculating the original DTI of [redacted]%. After reviewing the [redacted] form [redacted] $[redacted] was deducted for the mileage, resulting in net unreimbursed expenses of $[redacted] or $[redacted] The revised DTI still exceeds [redacted]% and is now [redacted]%. Condition remains |
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Other
|
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
6
|
XXXX
|
|
36464053
|
|
|
Credit
|
Credit
|
Miscellaneous
|
Credit
|
Miscellaneous Credit (Non-Material):
|
|
The loan is seasoned > [redacted] days from closing. Provide a letter of explanation for the delay and a copy of the payment history, as required
by the guidelines.
|
|
|
|
Reviewer Comment (2018-06-22): Seller provided a letter of explanation for the delay and a payment history (first payment due [redacted]).
|
XX/XX/XXXX
|
|
|
1
|
|
A
|
|
A
|
|
A
|
|
A
|
|
A
|
|
XXXX
|
Primary
|
Refinance - Cash-out - Other
|
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
7
|
XXXX
|
|
36464054
|
|
|
Credit
|
Insurance
|
Insurance Analysis
|
Insurance
|
Hazard Insurance Policy expires within [redacted] days of the Note Date.
|
|
The homeowner's insurance declarations page in the file verified effective dates of [redacted] to [redacted]. The policy expires within [redacted]
days of the note date and a copy of the updated policy or declarations page is required, per the guidelines.
|
|
|
|
Reviewer Comment (2018-05-14): Seller provided a copy of the renewal policy.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
7
|
XXXX
|
|
36464056
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Initial Closing Disclosure Timing without Waiver
|
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least ([redacted]) business days prior to closing.
(Final/[redacted])
|
Evidence of earlier borrower receipt was not found in file. Note: the file only contained a copy of the final CD issued [redacted] and executed
[redacted].
|
|
|
|
Reviewer Comment (2018-05-14): Seller provided proof of the borrowers receipt of the initial CD.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
No Defined Cure
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
7
|
XXXX
|
|
36464057
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID non-compliant: Fees were not reflected in the correct section of the disclosure.
|
|
The final CD disclosed all title fees in section C (Services Borrower Shopped For); however the fees were payable to a provider that was disclosed on
the Settlement Service Provider list and should have been disclosed in section B (Services Borrower Did Not Shop For). Provide a post-close CD moving the title fees to the correct section and a copy of the letter of explanation sent to the
borrowers disclosing the changes made.
|
|
|
|
Reviewer Comment (2018-05-14): Seller provided post-close CD moving the fees to the correct section.
|
|
XX/XX/XXXX
|
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
Good Faith Redisclosure
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
7
|
XXXX
|
|
36464058
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans
|
TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [redacted] did not disclose the required Lender Contact
Information (Lender Name, Lender NMLS ID, Contact Name). (Final/[redacted])
|
The Contact Information section of the final CD did not disclose the Lender's Contact or Contact's NMLS ID. Provide a post-close CD correcting the
section and a copy of the letter of explanation to the borrower disclosing the changes made or an attestation from the lender stating that no individual contact was used on the transaction.
|
|
|
|
Reviewer Comment (2018-05-14): Seller provided an attestation that no individual contact was used on this Third Party transaction.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
Letter of Explanation & Corrected Closing Disclosure
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
7
|
XXXX
|
|
36464060
|
|
|
Credit
|
Insurance
|
Insurance Analysis
|
Insurance
|
Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.
|
|
The file was missing a copy of the homeowner's insurance declarations page or policy identifying the lender as the loss payee. Note: the file
contained a binder that reflected the lender as the loss payee; however binders are not acceptable per the guidelines.
|
|
|
|
Reviewer Comment (2018-05-14): Seller provided a copy of the dec page verifying the loss payee.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
7
|
XXXX
|
|
36464061
|
|
|
Credit
|
Credit
|
Miscellaneous
|
Guideline
|
Credit Exception:
|
|
The final CD disclosed a principal reduction/curtailment of $[redacted] Per the guidelines, loans with principal curtailments are ineligible for
purchase.
|
[redacted]% DTI on this full documentation loan < [redacted]% guideline max - [redacted]% below program guideline maximum
[redacted] representative FICO score >[redacted] guideline minimum -[redacted] points above guideline minimum |
|
|
Reviewer Comment (2018-05-16): Client elected to waive the condition
|
|
|
XX/XX/XXXX
|
2
|
|
B
|
|
B
|
|
B
|
|
B
|
|
B
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
8
|
XXXX
|
|
36464062
|
|
|
Property
|
Property - Appraisal
|
General Appraisal Requirements
|
Property - Appraisal
|
HOA Company Phone is blank
|
Valuation Type: Appraisal / Valuation Report Date: [redacted]
|
The file is missing the required HOA information, as required per section [redacted] of the guidelines.
|
|
|
|
Reviewer Comment (2018-05-24): Seller provided the required HOA information
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
B
|
C
|
A
|
B
|
B
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
8
|
XXXX
|
|
36464064
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of
$[redacted] Sufficient or excess cure was provided to the borrower at Closing. ([redacted])
|
$[redacted] adjustment reflecting on CD
|
|
|
|
|
|
XX/XX/XXXX
|
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
Final CD evidences Cure
|
C
|
B
|
C
|
A
|
B
|
B
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
8
|
XXXX
|
|
36464065
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Appraisal Provided Prior to Date Performed
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to
determine compliance with appraisal timing requirements. (Type:[redacted]/[redacted])
|
The file contained documentation verifying the borrower received a copy of the appraisal on [redacted] which is prior to the revised appraisal date
of [redacted] Provide documentation verifying the borrower received a copy of the updated appraisal.
|
|
|
|
Reviewer Comment (2018-05-24): Seller provided proof of the borrowers receipt of the appraisal.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
B
|
C
|
A
|
B
|
B
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
8
|
XXXX
|
|
36464066
|
|
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Missing Document
|
Missing Document: Tax Certificate not provided
|
|
The file was missing a copy of the tax cert to verify the amount of taxes escrowed and used to qualify ([redacted] per month). Note: the title
commitment and prior years' tax bill verified a higher amount. Additional conditions may apply after receipt of the tax cert.
|
|
|
|
Reviewer Comment (2018-06-20): Seller provided a tax cert verifying taxes of [redacted].
Reviewer Comment (2018-06-18): Seller provided a copy of the tax bill that verified a gross amount of [redacted] annually. The file is still missing a copy of the tax cert verifying the amount used to qualify. Condition remains |
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
B
|
C
|
A
|
B
|
B
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
8
|
XXXX
|
|
36464067
|
|
|
Credit
|
Credit
|
Miscellaneous
|
Credit
|
Miscellaneous Credit (Non-Material):
|
|
The file is missing documentation to verify the PITI payment for the investment property disclosed on the final [redacted] schedule of real estate
owned.
|
|
|
|
Reviewer Comment (2018-05-24): Seller provided documentation verifying the PITI payment for the investment property.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
B
|
C
|
A
|
B
|
B
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
8
|
XXXX
|
|
36464068
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Final Closing Disclosure Escrowed Property Costs Year [redacted]
|
TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year [redacted] of $[redacted] on Final Closing
Disclosure provided on [redacted] not accurate. (Final/[redacted])
|
Seller provided a tax cert that did not match the amount used to qualify. The seller provided a post-close CD, revised initial escrow account
disclosure, and a revised first payment letter matching the revised tax amounts.
|
|
|
|
Reviewer Comment (2018-06-20): Seller provided a tax cert that did not match the amount used to qualify. The seller provided a post-close CD,
revised initial escrow account disclosure, and a revised first payment letter matching the revised tax amounts.
|
|
XX/XX/XXXX
|
|
2
|
|
B
|
|
B
|
|
B
|
|
B
|
|
B
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
Letter of Explanation & Corrected Closing Disclosure
|
C
|
B
|
C
|
A
|
B
|
B
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
8
|
XXXX
|
|
36464069
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Final Closing Disclosure Estimated Escrow Payment
|
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream
[redacted] that does not match the actual payment for the loan. (ProjSeq:[redacted])
|
Seller provided a tax cert that did not match the amount used to qualify. The seller provided a post-close CD, revised initial escrow account
disclosure, and a revised first payment letter matching the revised tax amounts.
|
|
|
|
Reviewer Comment (2018-06-20): Seller provided a tax cert that did not match the amount used to qualify. The seller provided a post-close CD,
revised initial escrow account disclosure, and a revised first payment letter matching the revised tax amounts.
|
|
XX/XX/XXXX
|
|
2
|
|
B
|
|
B
|
|
B
|
|
B
|
|
B
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
|
C
|
B
|
C
|
A
|
B
|
B
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
8
|
XXXX
|
|
36464070
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate
|
TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an Estimated Total Monthly Payment
for payment stream [redacted] that does not match the actual total payment for the loan. (ProjSeq:[redacted])
|
Seller provided a tax cert that did not match the amount used to qualify. The seller provided a post-close CD, revised initial escrow account
disclosure, and a revised first payment letter matching the revised tax amounts.
|
|
|
|
Reviewer Comment (2018-06-20): Seller provided a tax cert that did not match the amount used to qualify. The seller provided a post-close CD,
revised initial escrow account disclosure, and a revised first payment letter matching the revised tax amounts.
|
|
XX/XX/XXXX
|
|
2
|
|
B
|
|
B
|
|
B
|
|
B
|
|
B
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
|
C
|
B
|
C
|
A
|
B
|
B
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
9
|
XXXX
|
|
36464072
|
|
|
Credit
|
Missing Document
|
General
|
Missing Document
|
Missing Document: Wire Instructions not provided
|
|
The file is missing a copy of the lender's wiring instructions.
|
|
|
|
Reviewer Comment (2018-05-29): Seller provided a copy of the wiring instructions
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
9
|
XXXX
|
|
36464073
|
|
|
Credit
|
Legal / Regulatory / Compliance
|
Title / Lien Defect
|
Title
|
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
|
|
The file is missing a copy of the final title policy.
|
|
|
|
Reviewer Comment (2018-06-14): Seller provided a copy of the final title policy.
|
XX/XX/XXXX
|
|
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
9
|
XXXX
|
|
36464074
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
[redacted] Income Documentation Test
|
Qualified Mortgage (Dodd-Frank [redacted]): Self-employed income documentation not sufficient ([redacted]). ([redacted]/[redacted])
|
The file is missing a copy of the [redacted] YTD P&L for the borrowers [redacted], as required by Appendix [redacted].
|
|
|
|
Reviewer Comment (2018-05-29): Seller provided a copy of the [redacted] YTD P&L.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
9
|
XXXX
|
|
36464075
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
[redacted] Income Documentation Test
|
Qualified Mortgage (Dodd-Frank [redacted]): Self-employed income documentation not sufficient ([redacted]). ([redacted]/[redacted])
|
The file is missing a copy of the [redacted] YTD P&L for the borrowers [redacted], as required by Appendix [redacted].
|
|
|
|
Reviewer Comment (2018-05-29): Seller provided a copy of the [redacted] YTD P&L.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
9
|
XXXX
|
|
36464076
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
Check Loan Designation Match - QM
|
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.
|
The file is missing a copy of the [redacted] YTD P&L for the borrowers [redacted], as required by Appendix [redacted].
|
|
|
|
Reviewer Comment (2018-05-29): Seller provided a copy of the [redacted] YTD P&L.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
Lender to provide updated ATR/QM status
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
9
|
XXXX
|
|
36464077
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits
|
TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [redacted] disclosed an inaccurate value of the
dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[redacted])
|
Cure for [redacted]% tolerance violation $[redacted] was not provided.
|
|
|
|
Reviewer Comment (2018-05-30): Seller provided a valid change of circumstance disclosure for the increased fee.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
Letter of Explanation & Corrected Closing Disclosure
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
9
|
XXXX
|
|
36464078
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted] Insufficient or no cure was provided to the borrower. ([redacted])
|
The Credit Report Fee was disclosed as $[redacted] on the initial LE dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure.
Provide a post-close CD disclosing the tolerance cure, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrowers disclosing the changes made.
|
|
|
|
Reviewer Comment (2018-05-30): Seller provided a valid change of circumstance disclosure for the increased fee.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
9
|
XXXX
|
|
36464079
|
|
|
Credit
|
Title
|
General
|
Title
|
Title Policy Coverage is less than Original Loan Amount.
|
|
The title commitment in file disclosed [redacted] of title insurance coverage; however, this is less than the loan amount of [redacted] Provide a
copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
|
|
|
|
Reviewer Comment (2018-06-14): Seller provided a copy of the final title policy
Reviewer Comment (2018-06-06): Seller provided a copy of the title commitment; however the amount of title insurance was not disclosed. Condition remains |
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
9
|
XXXX
|
|
36464080
|
|
|
Credit
|
Credit
|
Credit Documentation
|
Guideline
|
Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided
|
|
The file is missing the mortgage history for the private mortgage being paid off at closing. Per the guidelines, the last [redacted] months
cancelled checks or bank statements are required to verify the mortgage history.
|
|
|
|
Reviewer Comment (2018-05-29): Seller provided [redacted] months cancelled checks for the private mortgage.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
9
|
XXXX
|
|
36464081
|
|
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Loan Package Documentation
|
Missing Document: Mortgage Loan Payoff Statement not provided
|
|
The file is missing a copy of the payoff for the first mortgage being paid off at closing.
|
|
|
|
Reviewer Comment (2018-05-29): Seller provided a copy of the payoff
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
10
|
XXXX
|
|
36464083
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM
|
Self Employed - Minor Negative Income Documentation
|
Qualified Mortgage (Dodd-Frank [redacted]): Self Employed borrower with a minor loss included in the income qualification did not provide the year to
date P&L and/or Balance Sheet.
|
The file was missing a copy of the YTD P&L and Balance Sheet for the co-borrower's [redacted], as required by Appendix [redacted].
|
|
|
|
Reviewer Comment (2018-05-15): Client elected to waive the condition
|
|
|
XX/XX/XXXX
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
10
|
XXXX
|
|
36464084
|
|
|
Credit
|
Loan Package Documentation
|
Closing / Title
|
Loan Package Documentation
|
Missing Lien(s) negatively impacting title
|
|
The title commitment, schedule B, part [redacted] items [redacted], disclosed judgments and tax liens against co-borrower #[redacted] The file
contained an email stating the judgments/liens are not the co-borrower's and an affidavit was to be signed at closing. Provide a copy of the affidavit or a copy of the final title policy to confirm all liens/judgments were removed from
title.
|
|
|
|
Reviewer Comment (2018-05-18): Seller provided a copy of the affidavit stating the judgments were not the co-borrower #[redacted]'s.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
10
|
XXXX
|
|
36464085
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Final Closing Disclosure Total Property Costs Year [redacted]
|
TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted] of $[redacted] on Final Closing
Disclosure provided on [redacted] not accurate. (Final/[redacted])
|
The final CD disclosed the Estimated Property Costs over Year [redacted] as [redacted] in the Loan Disclosures escrow section on page [redacted]
However, the actual amount is [redacted]. The difference is due to the CD calculated the Estimated Taxes, Insurance & Assessments payment as [redacted] using annual HOA dues of [redacted] , but the HOA information sheet in file verified
the annual HOA dues of [redacted] making the Estimated Taxes, Insurance & Assessments payment of [redacted]. Provide a post-close CD correcting the Estimated Property Costs over Year [redacted] and a copy of the letter of explanation
sent to the borrowers disclosing the changes made.
|
|
|
|
Reviewer Comment (2018-05-24): Seller provided a post-close CD correcting the Estimated Property Costs over Year [redacted]
Reviewer Comment (2018-05-18): Seller provided a revised CD correcting the HOA dues; however the CD was issued with a date of [redacted] but the change of circumstance disclosure referenced the Date of Change as [redacted]. Provide a Post-Close CD correcting the information. Condition remains |
|
XX/XX/XXXX
|
|
2
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
B
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
Letter of Explanation & Corrected Closing Disclosure
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
11
|
XXXX
|
|
36464086
|
|
|
Credit
|
Missing Document
|
General
|
Missing Document
|
Missing Document: Wire Instructions not provided
|
|
The file was missing a copy of the lender's wiring instructions.
|
|
|
|
Reviewer Comment (2018-05-22): Seller provided a copy of the wiring instructions
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
11
|
XXXX
|
|
36464088
|
|
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Missing Document
|
Missing Document: Fraud Report not provided
|
|
The file was missing a copy of the required fraud report including all interested parties to the transaction. Provide a fraud report to include the
borrowers, seller, listing and selling agents, the appraiser, and the loan originator, as required by the guidelines.
|
|
|
|
Reviewer Comment (2018-05-22): Seller provided a fraud report including all interested parties.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
11
|
XXXX
|
|
36464089
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
FACTA
|
FACTA Disclosure Missing
|
FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
|
The file is missing a copy of the FACTA Credit Score Disclosure.
|
|
|
|
Reviewer Comment (2018-05-22): Seller provided a copy of the disclosure.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
11
|
XXXX
|
|
36464090
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Esign Consent Agreement Status
|
ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.
|
The file is missing documentation verifying the borrowers consent to receive electronic documentation.
|
|
|
|
Reviewer Comment (2018-05-22): Seller provided documentation verifying the borrowers consent to receive electronic documentation.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
No Defined Cure
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
11
|
XXXX
|
|
36464092
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Appraisal Provided Prior to Date Performed
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to
determine compliance with appraisal timing requirements. (Type:[redacted]/[redacted])
|
The file contained documentation verifying the borrower received a copy of the appraisal on [redacted] which is prior to the revised appraisal date
of [redacted]. Provide documentation verifying the borrower received a copy of the updated appraisal.
|
|
|
|
Reviewer Comment (2018-05-28): Seller provided proof of the borrowers receipt of the updated appraisal.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
11
|
XXXX
|
|
36464093
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure
|
TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/[redacted])
|
TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing
Disclosure. Seller's CD shows [redacted] in seller paid closing costs, borrower's final CD shows [redacted]. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the
changes made.
|
|
|
|
Reviewer Comment (2018-05-21): Client elected to waive the condition
|
|
|
XX/XX/XXXX
|
2
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
Letter of Explanation & Corrected Closing Disclosure
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
12
|
XXXX
|
|
36464096
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Appraisal Provided Prior to Date Performed
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to
determine compliance with appraisal timing requirements. (Type:[redacted]/[redacted])
|
The file contained documentation verifying the borrower received a copy of the appraisal on [redacted] which is prior to the revised appraisal date
of [redacted]. Provide documentation verifying the borrower received a copy of the updated appraisal.
|
|
|
|
Reviewer Comment (2018-05-28): Borrower provided proof of the borrowers receipt of the updated appraisal (post-close). The original appraisal was
provided at least three business days prior to closing
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
13
|
XXXX
|
|
36464099
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of
$[redacted] Sufficient or excess cure was provided to the borrower at Closing. ([redacted])
|
A cure was provided the the borrowers at closing for this $[redacted] in excessive fees.
|
|
|
|
|
|
XX/XX/XXXX
|
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
Final CD evidences Cure
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
13
|
XXXX
|
|
36464100
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]
Sufficient or excess cure was provided to the borrower at Closing. ([redacted])
|
A cure was provided the the borrowers at closing for this $[redacted] in excessive fees.
|
|
|
|
|
|
XX/XX/XXXX
|
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
Final CD evidences Cure
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
13
|
XXXX
|
|
36464101
|
|
|
Property
|
Property - Appraisal
|
General Appraisal Requirements
|
Property - Appraisal
|
HOA Dues Status is blank
|
Valuation Type: Appraisal / Valuation Report Date: [redacted]
|
The file is missing the required HOA information, as required per section [redacted] of the guidelines.
|
|
|
|
Reviewer Comment (2018-05-31): Seller provided the required HOA infomation
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
13
|
XXXX
|
|
36464102
|
|
|
Credit
|
Insurance
|
Insurance Analysis
|
Insurance
|
Insurance address does not match Note address.
|
|
The homeowner's insurance declarations page did not disclose the subject address in the Location Description section. Provide a revised homeowner's
insurance declarations page or policy identifying the Location Description.
|
|
|
|
Reviewer Comment (2018-06-04): Seller provided a revised homeowner's insurance declarations page disclosing the property address in the Location
Description.
|
XX/XX/XXXX
|
|
|
1
|
|
A
|
|
A
|
|
A
|
|
A
|
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
14
|
XXXX
|
|
36464103
|
|
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Loan Package Documentation
|
FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.
|
Disaster Name: ___
Disaster Declaration Date: ___ |
The subject property is located in [redacted] county which is in a FEMA disaster area that does not have a declared end date. The appraisal was
performed after the FEMA declaration start date but prior to the declared end date.
|
[redacted] representative FICO score > [redacted] guideline minimum - [redacted] points above guideline minimum
[redacted]% LTV < [redacted]% guideline max |
|
|
Reviewer Comment (2018-05-31): Client elected to waive the condition
|
|
|
XX/XX/XXXX
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
14
|
XXXX
|
|
36464105
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Appraisal Provided Prior to Date Performed
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to
determine compliance with appraisal timing requirements. (Type:[redacted]/[redacted])
|
The file contained documentation verifying the borrower received a copy of the appraisal on [redacted] which is prior to the revised appraisal date
of [redacted]. Provide documentation verifying the borrower received a copy of the updated appraisal.
|
|
|
|
Reviewer Comment (2018-06-06): Seller provided proof of the borrowers receipt of the updated appraisal
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
14
|
XXXX
|
|
36464106
|
|
|
Credit
|
Credit
|
AUS Discrepancy / Guidelines Discrepancy
|
Credit
|
AUS Findings: Property type discrepancy.
|
|
Provide a revised AUS approval matching the final terms of the loan, as required by the guidelines. The DU in file disclosed the property type as
Detached; however the appraisal and title verified the property was a PUD.
|
|
|
|
Reviewer Comment (2018-06-03): Seller provided a revised DU approval matching the final terms of the loan.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
14
|
XXXX
|
|
36464107
|
|
|
Compliance
|
Compliance
|
Miscellaneous Compliance
|
Compliance
|
Miscellaneous Compliance: Non-Material Compliance Exception:
|
|
The file contained a copy of the final settlement statement that disclosed reduced closing costs and additional cash to the borrowers. Provide a
post-close CD matching the final settlement statement and a copy of the letter of explanation sent to the borrowers disclosing the changes made.
|
|
|
|
Reviewer Comment (2018-06-01): Seller provided a post-close CD matching the final settlement statement.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
14
|
XXXX
|
|
36464108
|
|
|
Credit
|
Insurance
|
Insurance Documentation
|
Insurance
|
Missing Document: Hazard Dec Page not provided
|
|
The homeowner's insurance declarations page in the file did not disclose the borrower as the insured (non-borrowing spouse only). Provide a revised
homeowner's insurance declarations page or policy adding the borrower.
|
|
|
|
Reviewer Comment (2018-06-12): AIG accepted the existing dec page.
|
XX/XX/XXXX
|
|
|
1
|
|
A
|
|
A
|
|
A
|
|
A
|
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
B
|
C
|
B
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
15
|
XXXX
|
|
36464110
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits
|
TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [redacted] disclosed an inaccurate value of the
dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[redacted])
|
Cure for Credit Report fee of $[redacted] was not provided.
|
|
|
|
Reviewer Comment (2018-06-14): Seller provided a post-close CD disclosing the tolerance cure of $[redacted] a copy of the refund check, proof of
delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
|
|
XX/XX/XXXX
|
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
Letter of Explanation & Corrected Closing Disclosure
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
15
|
XXXX
|
|
36464111
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
Missing Disclosure
|
Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation
was based on a term of the transaction.
|
Loan Originator Compensation (Dodd-Frank [redacted]) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the
loan file if compensation was based on a term of the transaction.
|
The file is missing documentation to verify if the Loan Originator Compensation was based on a term of the transaction.
|
|
|
|
Reviewer Comment (2018-06-11): Seller provided documentation verifying the Loan Originator Compensation was based on a term of the transaction.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
15
|
XXXX
|
|
36464112
|
|
|
Credit
|
Missing Document
|
General
|
Missing Document
|
Missing Document: Wire Instructions not provided
|
|
The file was missing a copy of the lender's wiring instructions.
|
|
|
|
Reviewer Comment (2018-06-11): Seller provided a copy of the wiring instructions.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
15
|
XXXX
|
|
36464113
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted] Insufficient or no cure was provided to the borrower. ([redacted])
|
Credit Report Fee was disclosed as $[redacted] on the initial LE dated [redacted], but disclosed as $[redacted] on the Final Closing Disclosure.
Provide a post-close CD disclosing the tolerance cure of $[redacted] a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
|
|
|
|
Reviewer Comment (2018-06-14): Seller provided a post-close CD disclosing the tolerance cure of $[redacted] a copy of the refund check, proof of
delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
15
|
XXXX
|
|
36464114
|
|
|
Credit
|
Legal / Regulatory / Compliance
|
Title / Lien Defect
|
Legal / Regulatory / Compliance
|
Final Title Policy is missing. No evidence of title in file.
|
|
The file was missing a copy of the complete title commitment.
|
|
|
|
Reviewer Comment (2018-06-11): Seller provided a copy of the title commitment.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
15
|
XXXX
|
|
36464115
|
|
|
Credit
|
Insurance
|
Insurance Analysis
|
Insurance
|
Insurance address does not match Note address.
|
|
The homeowner's insurance declarations page in the file disclosed the street address as [redacted]; however the note and appraisal verified the
street address as [redacted]. Provide a revised homeowner's insurance declarations page or policy correcting the street address.
|
|
|
|
Reviewer Comment (2018-06-21): Seller provided a revised declarations page correcting the address.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
15
|
XXXX
|
|
36464116
|
|
|
Credit
|
Insurance
|
Insurance Analysis
|
Insurance
|
Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.
|
|
The homeowner's insurance declarations page in the file did not disclose the loss payee including Its successors and or assigns. Provide a revised
homeowner's insurance declarations page or policy correcting the loss payee.
|
|
|
|
Reviewer Comment (2018-06-21): Seller provided a revised declarations page correcting the loss payee.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
15
|
XXXX
|
|
36464117
|
|
|
Credit
|
Guideline
|
Guideline Issue
|
Guideline
|
The Fraud Report did not include all interested parties to the subject transaction.
|
Credit Report: Original // Borrower: [redacted], Credit Report: Original // Borrower: [redacted]
|
The file contained a fraud report; however the fraud report did not include all interested parties to the transaction. Provide a revised fraud
report to include the loan originator, as required by the guidelines.
|
|
|
|
Reviewer Comment (2018-06-15): Seller provided a revised fraud report including all interested parties.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
15
|
XXXX
|
|
36464119
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted] Sufficient or excess cure was provided to the borrower. ([redacted])
|
Seller provided a post-close CD disclosing the tolerance cure of $[redacted] a copy of the refund check, proof of delivery, and a copy of the letter
of explanation sent to the borrower disclosing the changes made.
|
|
|
|
Reviewer Comment (2018-06-14): Seller provided a post-close CD disclosing the tolerance cure of $[redacted] a copy of the refund check, proof of
delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
|
|
XX/XX/XXXX
|
|
2
|
|
B
|
|
B
|
|
B
|
|
B
|
|
B
|
|
XXXX
|
Primary
|
Refinance - Rate/Term
|
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
16
|
XXXX
|
|
36464121
|
|
|
Credit
|
Guideline
|
Guideline Issue
|
Guideline
|
The Fraud Report did not include all interested parties to the subject transaction.
|
Credit Report: Original // Borrower: [redacted], Credit Report: Original // Borrower: [redacted]
|
The file contained a fraud report; however the fraud report did not include all interested parties to the transaction. Provide a revised fraud
report to include the sellers, listing and selling real estate agents, and the appraiser, as required by the guidelines.
|
|
|
|
Reviewer Comment (2018-06-15): Seller provided a revised fraud report including all interested parties.
Reviewer Comment (2018-06-14): Seller provided a revised fraud report; however the sellers were not included. Condition remains |
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
16
|
XXXX
|
|
36464122
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Revised Loan Estimate Timing Before Closing
|
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least ([redacted]) business days prior to
closing. (Interim/[redacted])
|
Evidence of earlier borrower receipt was not found in file.
|
|
|
|
Reviewer Comment (2018-06-14): Seller provided proof of the borrowers receipt of the re-disclosed LE.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
No Defined Cure
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
16
|
XXXX
|
|
36464123
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date
|
TILA-RESPA Integrated Disclosure: Revised Loan Estimate [redacted] received on or after the date the Closing Disclosure [redacted]
[redacted]:[redacted]:[redacted] AM was received. (Interim/[redacted])
|
Evidence of earlier borrower receipt was not found in file.
|
|
|
|
Reviewer Comment (2018-06-14): Seller provided proof of the borrowers receipt of the re-disclosed LE.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
No Defined Cure
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
16
|
XXXX
|
|
36464124
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD
|
TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing.
(Final/[redacted])
|
TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not
consistent with those reflected on the Borrower's Final Closing Disclosure. Seller's CD shows [redacted] in seller paid closing costs, borrower's final CD shows [redacted]. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made. |
|
|
|
Reviewer Comment (2018-06-12): Client elected to waive the condition
|
|
|
XX/XX/XXXX
|
2
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
Letter of Explanation & Corrected Closing Disclosure
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
17
|
XXXX
|
|
36464125
|
|
|
Credit
|
Missing Document
|
General
|
Missing Document
|
Missing Document: Wire Instructions not provided
|
|
The file was missing a copy of the lender's wiring instructions.
|
|
|
|
Reviewer Comment (2018-06-14): Seller provided the wiring instructions
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
17
|
XXXX
|
|
36464128
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
QM Employment History - Current and/or Previous Employment Documentation lacks Date Info
|
Qualified Mortgage (Dodd-Frank [redacted]): Missing Employment Dates to verify [redacted] years employment history for current and/or prior
employment. ([redacted]/[redacted])
|
The file is missing documentation verifying a complete [redacted] year employment history, as required by Appendix [redacted]. Provide a VVOE or
other documentation verifying the start and end date of the previous employment and verifying there were no gaps in employment history for [redacted] days or more.
|
|
|
|
Reviewer Comment (2018-06-24): Seller provided documentation verifying the borrowers [redacted] year employment history.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
18
|
XXXX
|
|
36464130
|
|
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Missing Document
|
Missing Document: Fraud Report not provided
|
|
The file was missing a copy of the required fraud report including all interested parties to the transaction. Provide a fraud report to include the
borrowers, seller, listing and selling agents, the appraiser, and the loan originator, as required by the guidelines.
|
|
|
|
Reviewer Comment (2018-06-14): Seller provided a copy of the fraud report.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
B
|
A
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
18
|
XXXX
|
|
36464131
|
|
|
Property
|
Property - Appraisal
|
General Appraisal Requirements
|
Property - Appraisal
|
HOA Company Name is blank
|
Valuation Type: Appraisal / Valuation Report Date: [redacted]
|
The file is missing the required HOA information, as required per section [redacted] of the guidelines.
|
|
|
|
Reviewer Comment (2018-06-14): Seller provided the HOA information
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
B
|
A
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
18
|
XXXX
|
|
36464133
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Esign Consent Agreement Status
|
ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.
|
The file was missing documentation verifying the borrower's consent to receive electronic documentation.
|
|
|
|
Reviewer Comment (2018-06-14): Seller provided documentation verifying the borrower's consent to receive electronic documentation.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
No Defined Cure
|
C
|
A
|
C
|
A
|
B
|
A
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
18
|
XXXX
|
|
36464135
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure
|
TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/[redacted])
|
TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing
Disclosure. Seller's CD shows [redacted] in seller paid closing costs, borrower's final CD shows [redacted]. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the
changes made.
|
|
|
|
Reviewer Comment (2018-06-13): Client elected to waive the condition
|
|
|
XX/XX/XXXX
|
2
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
Letter of Explanation & Corrected Closing Disclosure
|
C
|
A
|
C
|
A
|
B
|
A
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
18
|
XXXX
|
|
36464137
|
|
|
Credit
|
Missing Document
|
General
|
Missing Document
|
Missing Document: Wire Instructions not provided
|
|
The file was missing a copy of the lender's wiring instructions.
|
|
|
|
Reviewer Comment (2018-06-14): Seller provided a copy of the wiring instructions
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
B
|
A
|
C
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
19
|
XXXX
|
|
36464139
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
QM Employment History - Current Employment Documentation lacks Date Info
|
Qualified Mortgage (Dodd-Frank [redacted]): Missing Employment Dates to verify [redacted] years current employment. ([redacted]/[redacted])
|
The file was missing documentation to verify a [redacted] year self-employment history for the borrower, as required by Appendix [redacted].
|
|
|
|
Reviewer Comment (2018-06-19): Seller provided verification of the borrowers self-employment
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
19
|
XXXX
|
|
36464140
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
[redacted] Income Documentation Test
|
Qualified Mortgage (Dodd-Frank [redacted]): Self-employed income documentation not sufficient ([redacted]). ([redacted]/Schedule C)
|
The file is missing a copy of the signed and dated [redacted] [redacted]'s and the [redacted] YTD P&L and Balance Sheet for the borrower's
[redacted], as required by Appendix [redacted].
|
|
|
|
Reviewer Comment (2018-06-19): Seller provided a copy of the [redacted] signed [redacted]'s and the YTD P&L and Balance Sheet.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
19
|
XXXX
|
|
36464141
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
Check Loan Designation Match - QM
|
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.
|
The file is missing a copy of the signed and dated [redacted] [redacted]'s and the [redacted] YTD P&L and Balance Sheet for the borrower's
[redacted], as required by Appendix [redacted].
|
|
|
|
Reviewer Comment (2018-06-19): Seller provided a copy of the [redacted] signed [redacted]'s and the YTD P&L and Balance Sheet.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
Lender to provide updated ATR/QM status
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
19
|
XXXX
|
|
36464142
|
|
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Missing Document
|
Missing Document: Fraud Report not provided
|
|
The file was missing a copy of the required fraud report including all interested parties to the transaction. Provide a fraud report to include the
borrowers, the appraiser, and the loan originator, as required by the guidelines.
|
|
|
|
Reviewer Comment (2018-06-22): Seller provided a copy of the fraud report.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
19
|
XXXX
|
|
36464143
|
|
|
Credit
|
Insurance
|
Insurance Analysis
|
Insurance
|
Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.
|
|
The homeowner's insurance declarations page did not include "its successors and/or assigns" for the mortgagee clause. Provide a revised homeowner's
insurance declarations page or policy reflecting ISAOA for the mortgagee.
|
|
|
|
Reviewer Comment (2018-06-22): Seller provided a revised declarations page including ISAOA for the mortgagee clause.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
19
|
XXXX
|
|
36464144
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted] Sufficient or excess cure was provided to the borrower at Closing. ([redacted])
|
|
|
|
|
|
|
XX/XX/XXXX
|
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
Final CD evidences Cure
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
19
|
XXXX
|
|
36464145
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance
of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. ([redacted])
|
|
|
|
|
|
|
XX/XX/XXXX
|
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|
XXXX
|
Primary
|
Refinance - Limited Cash-out GSE
|
Final CD evidences Cure
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
20
|
XXXX
|
|
36464147
|
|
|
Credit
|
Guideline
|
Guideline Issue
|
Guideline
|
The Fraud Report did not include all interested parties to the subject transaction.
|
Credit Report: Original // Borrower:[redacted], Credit Report: Original // Borrower: [redacted]
|
The file contained a fraud report; however the fraud report did not include all interested parties to the transaction. Provide a revised fraud
report to include the additional seller disclosed on title and the seller's CD, as required by the guidelines.
|
|
|
|
Reviewer Comment (2018-06-20): Seller provided a revised fraud report including all interested parties.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
21
|
XXXX
|
|
36464148
|
|
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Missing Document
|
Missing Document: Fraud Report not provided
|
|
The file was missing a copy of the required fraud report including all interested parties to the transaction. Provide a fraud report to include the
borrowers, seller, listing and selling agents, the appraiser, and the loan originator, as required by the guidelines.
|
|
|
|
Reviewer Comment (2018-06-24): Seller provided a copy of the required fraud report
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
21
|
XXXX
|
|
36464149
|
|
|
Credit
|
Missing Document
|
General
|
Missing Document
|
Missing Document: Wire Instructions not provided
|
|
The file was missing a copy of the lender's wiring instructions.
|
|
|
|
Reviewer Comment (2018-06-24): Seller provided a copy of the wiring instructions
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
21
|
XXXX
|
|
36464150
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Appraisal Provided Prior to Date Performed
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to
determine compliance with appraisal timing requirements. (Type:[redacted]/[redacted])
|
The file contained documentation verifying the borrower received a copy of the appraisal on [redacted] which is prior to the revised appraisal date
of [redacted] Provide documentation verifying the borrower received a copy of the updated appraisal.
|
|
|
|
Reviewer Comment (2018-06-26): Client elected to waive the condition
Reviewer Comment (2018-06-25): Seller is requesting a waiver for the ECOA condition. The updated appraisal was provided post-close. The waiver request is in process. Do not upload any additional documentation to the condition in Cleanroom. Reviewer Comment (2018-06-24): Seller provided documentation verifying the borrower received a copy of the updated appraisal on [redacted], post-close. ECOA requirements require the borrower receive a copy of the all valuations at or prior to closing. A waiver is required. Provide a waiver request. Condition remains |
|
|
XX/XX/XXXX
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
|
XXXX
|
Primary
|
Purchase
|
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
21
|
XXXX
|
|
36464151
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Esign Consent Agreement Status
|
ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.
|
Proof of ESign Consent agreement was not provided.
|
|
|
|
Reviewer Comment (2018-06-24): Seller provided a copy of the borrowers consent to receive electronic documentation.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
No Defined Cure
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
21
|
XXXX
|
|
36464152
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits
|
TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [redacted] disclosed an inaccurate value of the
dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[redacted])
|
Cure for multiple [redacted]% tolerance fee violations totaling $[redacted] was not provided.
|
|
|
|
Reviewer Comment (2018-06-24): The pest inspection fee and survey fee were disclosed on the initial LE and there is no tolerance violation.
|
XX/XX/XXXX
|
|
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
Letter of Explanation & Corrected Closing Disclosure
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
21
|
XXXX
|
|
36464153
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure
|
TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/[redacted])
|
Consumer final CD disclosed seller paid fees of [redacted], seller final CD disclosed seller paid fees of [redacted] in addition to the disclosed
[redacted] paid prior to closing
|
|
|
|
Reviewer Comment (2018-06-21): Client Elects to waive.
|
|
|
XX/XX/XXXX
|
2
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
|
XXXX
|
Primary
|
Purchase
|
Letter of Explanation & Corrected Closing Disclosure
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
21
|
XXXX
|
|
36464154
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted] Insufficient or no cure was provided to the borrower. ([redacted])
|
Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.
|
|
|
|
Reviewer Comment (2018-06-24): The pest inspection fee was disclosed on the initial LE and there is no tolerance violation.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
XXXX
|
21
|
XXXX
|
|
36464155
|
|
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]
Insufficient or no cure was provided to the borrower. ([redacted])
|
Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.
|
|
|
|
Reviewer Comment (2018-06-24): The survey fee was disclosed on the initial LE and there is no tolerance violation.
|
XX/XX/XXXX
|
|
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|
XXXX
|
Primary
|
Purchase
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM
|
Safe Harbor QM
|
No
|
|
Valuation Report
|
|||||
|
Run Date - 6/5/2026 3:00:55 PM
|
|
SitusAMC Loan ID
|
Customer Loan ID
|
Seller Loan ID
|
Investor Loan Number
|
Note Date
|
Original Loan Amount
|
Sales Price
|
Value for LTV
|
As-Is Value for LTV
|
LTV Value Variance Amount
|
LTV Value Variance Percent
|
Primary Valuation Value
|
Primary Valuation Report Date
|
Primary Valuation Effective Date
|
Primary Valuation Type
|
Primary Valuation Company
|
Primary Valuation Appraiser Name
|
Primary Valuation Appraiser License Num
|
Primary Valuation FSD Score
|
Secondary Valuation Value
|
Secondary Valuation Variance Amount
|
Secondary Valuation Variance Percent
|
Secondary Valuation Report Date
|
Secondary Valuation Effective Date
|
Secondary Valuation Type
|
Secondary Valuation Company
|
Secondary Valuation FSD Score
|
Secondary Valuation Desk Review Risk Score
|
AVM Value
|
AVM Variance Amount
|
AVM Variance Percent
|
AVM Company
|
AVM FSD Score
|
AVM Report Date
|
Desk Review Value
|
Desk Review Variance Amount
|
Desk Review Variance Percent
|
Desk Review Company
|
Desk Review Risk Score
|
Desk Review Report Date
|
Desk Review Effective Date
|
Desktop Appraisal Value
|
Desktop Appraisal Variance Amount
|
Desktop Appraisal Variance Percent
|
Desktop Appraisal Company
|
Desktop Appraisal Report Date
|
Desktop Appraisal Effective Date
|
BPO Value
|
BPO Variance Amount
|
BPO Variance Percent
|
BPO Company
|
BPO Report Date
|
Field Review Value
|
Field Review Variance Amount
|
Field Review Variance Percent
|
Field Review Company
|
Field Review Report Date
|
Field Review Effective Date
|
2055 Value
|
2055 Variance Amount
|
2055 Variance Percent
|
2055 Company
|
2055 Report Date
|
2055 Effective Date
|
AVE/CMA Value
|
AVE/CMA Variance Amount
|
AVE/CMA Variance Percent
|
AVE/CMA Company
|
AVE/CMA Report Date
|
Hybrid Valuation Value
|
Hybrid Valuation Variance Amount
|
Hybrid Valuation Variance Percent
|
Hybrid Valuation Company
|
Hybrid Valuation Report Date
|
Updated Valuation Value
|
Updated Valuation Variance Amount
|
Updated Valuation Variance Percent
|
Updated Valuation Company
|
Updated Valuation Report Date
|
Updated Valuation Effective Date
|
Aggregate Appraised Value
|
Aggregate Variance Amount
|
Aggregate Variance Percent
|
Value Analysis Valuation Value
|
Value Analysis Report Date
|
Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?
|
LCA Risk Score
|
Collateral Underwriter Risk Score
|
|
XXXX
|
1
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
2
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Moderate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
3
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Moderate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
4
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Moderate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
5
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Moderate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
6
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Low
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
7
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Moderate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
8
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Moderate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
9
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Moderate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
10
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Moderate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
11
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Low
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
12
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Moderate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
13
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Moderate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
14
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Low
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
15
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Moderate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
16
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Moderate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
17
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Low
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
18
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Low
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
19
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Moderate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
20
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Moderate
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
XXXX
|
21
|
XXXX
|
0.000%
|
Appraisal
|
0.000%
|
Low
|
|
Supplemental Data
|
||||
|
Run Date - 6/5/2026 3:00:55 PM
|
|
SitusAMC Loan ID
|
Customer Loan ID
|
Seller Loan ID
|
Investor Loan Number
|
TILA Status Loan Designation
|
Exempt QM/ATR Equivalency
|
CDFI Bank Originated Loan
|
Application Date
|
TRID Tested
|
GSE
|
HOEPA Fees
|
TILA Fees
|
Rate Lock Date
|
Calculated APR
|
Original P&I
|
Qualifying P&I
|
Qualifying Rate
|
Is Borrower Non Occupant
|
Is Co Borrower Non Occupant
|
Borrower Employment Indicator
|
Co Borrower Employment Indicator
|
Co Borrower 2 Employment Indicator
|
Co Borrower 3 Employment Indicator
|
Co Borrower2 Length of Employment
|
Co Borrower3 Length of Employment
|
Borrower Foreign National Indicator
|
Co Borrower Foreign National Indicator
|
Co Borrower 2 Foreign National Indicator
|
Co Borrower 3 Foreign National Indicator
|
Borrower Country Name
|
Co Borrower Country Name
|
Co Borrower2 Country Name
|
Co Borrower3 Country Name
|
Residual Income
|
Num Units
|
Annual Property Tax
|
Annual Insurance Costs
|
Monthly Property Tax
|
Monthly Insurance Costs
|
HOA Name
|
HOA Address State
|
Fee Amount
|
Next Due Date
|
HOA Payment Frequency
|
Investor DTI
|
QM DTI
|
Non QM DTI
|
Original Credit Report Date
|
Qualifying Credit Score
|
Third Wage Earner Original FICO Equifax
|
Third Wage Earner Original FICO Experian
|
Third Wage Earner Original FICO Transunion
|
Fourth Wage Earner Original FICO Equifax
|
Fourth Wage Earner Original FICO Experian
|
Fourth Wage Earner Original FICO Transunion
|
Most Recent Updated Credit Report Date
|
Primary Wage Earner Updated FICO Equifax
|
Primary Wage Earner Updated FICO Experian
|
Primary Wage Earner Updated FICO Transunion
|
Secondary Wage Earner Updated FICO Equifax
|
Secondary Wage Earner Updated FICO Experian
|
Secondary Wage Earner Updated FICO Transunion
|
Third Wage Earner Updated FICO Equifax
|
Third Wage Earner Updated FICO Experian
|
Third Wage Earner Updated FICO Transunion
|
Fourth Wage Earner Updated FICO Equifax
|
Fourth Wage Earner Updated FICO Experian
|
Fourth Wage Earner Updated FICO Transunion
|
Most Recent Updated Co Borrower 2 FICO
|
Most Recent Updated Co Borrower 3 FICO
|
Co Borrower 2 Asset Verification Level
|
Co Borrower 3 Asset Verification Level
|
Co Borrower 2 Income Verification Level
|
Co Borrower 3 Income Verification Level
|
Co Borrower 2 Employment Verification Level
|
Co Borrower 3 Employment Verification Level
|
Asset Depletion Flag
|
Bank Statements Flag
|
Number of Statements
|
Type of Statements
|
Percent of Income From Statements
|
Borrower Business Ownership %
|
CoBorrower Business Ownership %
|
P&L Type
|
Income Doc Detail
|
Tax Return Doc Details
|
Document Level
|
Document Type
|
Most Recent Bankruptcy Type
|
Most Recent Bankruptcy Filing Date
|
Most Recent Bankruptcy Discharge Date
|
Number of Bankruptcy Events
|
Months Bankruptcy (7, 11)
|
Months Bankruptcy (13)
|
Most Recent Deed-in -Lieu Date
|
Number of Deed-in-Lieu Events
|
Months Deed-in-Lieu
|
Most Recent Short Sale Date
|
Number of Short Sale Events
|
Months Short Sale (or Pre FC)
|
Most Recent Foreclosure Date
|
Number of Foreclosure Events
|
Months Foreclosure
|
Prior Mortgage/Rent Late 30d in 24m
|
Prior Mortgage/Rent Late 60d in 24m
|
Prior Mortgage/Rent Late 90d in 24m
|
Has ACH
|
Guideline Name
|
UW Guideline Author
|
ATR QM Total Points and Fees Audit
|
Loan Regulation Benchmark Date
|
Benchmark Rate
|
HUD 1 Page 1 Credits Total
|
Collateral Underwriter Risk Score
|
AUS Decision System
|
Property Inspection Waiver (PIW)
|
Rating Result
|
Eligible For Rep and Warrant Relief Per Collateral Advisor
|
Is Equity Shared Loan
|
Investor Qualifying Rate
|
Borrower Years of W2s
|
CoBorrower Years of W2s
|
Years of Personal Tax Returns
|
Years of Business Tax Returns
|
Years of 4506T
|
Years of Tax Transcripts
|
Months of Personal Bank Statements
|
Months of Business Bank Statements
|
Months of Profit and Loss Statements
|
Expense Letter
|
Total DSCR
|
Total Inverse DSCR
|
Subordinate Lien Type
|
Is Shared Appreciation Mortgage
|
Duration of Payout Months
|
Seller VSH Indicator
|
Seller Indicated VSH Guideline
|
Validated VSH
|
IO Remaining Amortization Term at Recast
|
Maturity Date
|
Borrower Own Funds Cash Amount
|
Borrower Own Funds Percent
|
Is the Note an eNote
|
Borrower WVOE - # of Months of Income provided
|
Co Borrower WVOE - # of Months of Income provided
|
Co Borrower2 WVOE - # of Months of Income provided
|
Co Borrower3 WVOE - # of Months of Income provided
|
Were the origination guidelines utilized for this diligence review?
|
Title Evidence
|
Ownership Type
|
Borrower Type
|
Borrower Designation
|
Co Borrower Type
|
Co Borrower Designation
|
Co Borrower2 Type
|
Co Borrower2 Designation
|
Co Borrower3 Type
|
Co Borrower3 Designation
|
Senior Lien Position
|
Senior Lien Original Loan Amount
|
Senior Lien Original Interest Rate
|
Senior Lien Note Projected Closing Date
|
Senior Lien Current Balance
|
Senior Lien Current P&I
|
Loan Closed in the Name of an Entity
|
Note Executed by
|
Assumable Mortgage Flag
|
Leasehold Flag
|
Buydown Flag
|
Borrower Experian FICO Model Used
|
Borrower Equifax FICO Model Used
|
Borrower TransUnion FICO Model Used
|
Co Borrower Experian FICO Model Used
|
Co Borrower Equifax FICO Model Used
|
Co Borrower TransUnion FICO Model Used
|
Co Borrower2 Experian FICO Model Used
|
Co Borrower2 Equifax FICO Model Used
|
Co Borrower2 TransUnion FICO Model Used
|
Co Borrower3 Experian FICO Model Used
|
Co Borrower3 Equifax FICO Model Used
|
Co Borrower3 TransUnion FICO Model Used
|
Borrower Documentation Used to Determine Legal Residency
|
Co Borrower Documentation Used to Determine Legal Residency
|
Co Borrower2 Documentation Used to Determine Legal Residency
|
Co Borrower3 Documentation Used to Determine Legal Residency
|
Delayed Financing?
|
Months Reserves
|
Correspondent Type
|
Departure Residence
|
Rate Increase on Default
|
Default Interest Rate
|
Default Interest Accrual Start Days
|
MERS Min Number
|
Co Borrower Other Income
|
Co Borrower Wage Income
|
Primary Housing Lates 0 6 Months 30
|
Primary Housing Lates 0 6 Months 60
|
Primary Housing Lates 0 6 Months 90
|
Primary Housing Lates 7 12 Months 30
|
Primary Housing Lates 7 12 Months 60
|
Primary Housing Lates 7 12 Months 90
|
Primary Housing Lates 13 24 Months 30
|
Primary Housing Lates 13 24 Months 60
|
Primary Housing Lates 13 24 Months 90
|
Primary Housing Lates 25 36 Months 30
|
Primary Housing Lates 25 36 Months 60
|
Primary Housing Lates 25 36 Months 90
|
Borrower 1 ITIN Flag
|
Borrower 2 ITIN Flag
|
Borrower 3 ITIN Flag
|
Borrower 4 ITIN Flag
|
Total Number of Mortgaged Properties
|
Amortization Term Less IO
|
|
xxxx
|
1
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2017
[Borrower - | Primary Income - Wages]; The Work Number - Income - 2017
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2018
[Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2018
|
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 1040 - 2015
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; Transcripts (1040) - 2015
[Borrower]; 4506 or 4506-T - 2014
[Borrower]; 4506 or 4506-T - 2013
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 1040 - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 1040 - 2015
[Coborrower]; 4506 or 4506-T - 2015
[Coborrower]; Transcripts (1040) - 2015
[Coborrower]; 4506 or 4506-T - 2014
[Coborrower]; 4506 or 4506-T - 2013
[Coborrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
xxxx
|
1
|
0
|
2
|
0
|
4
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
xxxx
|
Final
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
2
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Business License - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Business License - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Business License - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Business License - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Business License - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Business License - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Business License - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Business License - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2015
[Borrower - | Primary Income - K-1 (< 25%)]; Other - 2018
[Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2018
[Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2017
[Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2016
[Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2017
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2018
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2016
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2015
[Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2015
|
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - No Results Returned - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 1040 - 2015
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; Transcripts (1040) - 2015
[Borrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
xxxx
|
0
|
2
|
0
|
3
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
xxxx
|
Commitment
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
3
|
360
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
3
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2018
[Borrower - | Primary Income - Sole Proprietor]; Business License - 2018
[Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2018
[Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2018
[Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2017
[Coborrower(s) - | Primary Income - Sole Proprietor]; Balance Sheet - 2018
[Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2018
[Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2018
[Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2018
[Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2018
[Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2017
|
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - No Results Returned - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 1040 - 2015
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; Transcripts (1040) - 2015
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; Transcripts (1040) - No Results Returned - 2017
[Coborrower]; 1040 - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 1040 - 2015
[Coborrower]; 4506 or 4506-T - 2015
[Coborrower]; Transcripts (1040) - 2015
[Coborrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
xxxx
|
0
|
0
|
2
|
0
|
3
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
Final
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
4
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; VVOE - 2018
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Borrower - | Primary Income - Wages]; W-2 - 2016
[Borrower - | Primary Income - Wages]; W-2 - 2015
|
[Borrower]; 1040 - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - No Results Returned - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 1040 - 2015
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; Transcripts (1040) - 2015
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 1040 - 2017
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; Transcripts (1040) - No Results Returned - 2017
[Coborrower]; 1040 - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 1040 - 2015
[Coborrower]; 4506 or 4506-T - 2015
[Coborrower]; Transcripts (1040) - 2015
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
xxxx
|
3
|
0
|
3
|
0
|
3
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
xxxx
|
Short Form
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
2
|
360
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
5
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Other - 2018
[Borrower - | Primary Income - Wages]; Other - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; VVOE - 2018
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Borrower - | Primary Income - Wages]; Other - 2016
[Borrower - | Primary Income - Wages]; Other - 2016
[Borrower - | Primary Income - Wages]; W-2 - 2016
[Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2018
|
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Tax Return Extension - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 1040 - 2015
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; Transcripts (1040) - 2015
[Borrower]; 4506 or 4506-T - 2014
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; Tax Return Extension - 2017
[Coborrower]; 1040 - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 1040 - 2015
[Coborrower]; 4506 or 4506-T - 2015
[Coborrower]; Transcripts (1040) - 2015
[Coborrower]; 4506 or 4506-T - 2014
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
xxxx
|
2
|
0
|
2
|
0
|
4
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
Final
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
3
|
360
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
6
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2018
[Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2017
[Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2016
[Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2018
[Coborrower(s) - | Non-Primary Income - Pension]; 1099 - 2017
[Coborrower(s) - | Non-Primary Income - Pension]; 1099 - 2016
[Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2018
[Coborrower(s) - | Non-Primary Income - Pension]; 1099 - 2017
[Coborrower(s) - | Non-Primary Income - Pension]; 1099 - 2016
[Coborrower(s) - | Non-Primary Income - Pension]; 1099 - 2017
[Coborrower(s) - | Non-Primary Income - Pension]; 1099 - 2016
[Borrower - | Primary Income - Wages]; Other - 2018
[Borrower - | Primary Income - Wages]; Other - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; VVOE - 2018
[Borrower - | Primary Income - Wages]; WVOE - 2018
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Borrower - | Primary Income - Wages]; W-2 - 2016
|
[Borrower]; 1040 - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 1040 - 2017
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; Transcripts (1040) - 2017
[Coborrower]; 1040 - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 4506 or 4506-T - 2015
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveEligible
|
xxxx
|
2
|
0
|
2
|
0
|
3
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
Final
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
7
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Employer Letter - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; WVOE - 2018
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Borrower - | Primary Income - Wages]; W-2 - 2016
[Borrower - | Primary Income - Wages]; W-2 - 2016
[Borrower - | Primary Income - Wages]; W-2 - 2015
|
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - 2016
[Borrower]; Transcripts (1040) - 2015
[Borrower]; Transcripts (1040) - No Results Returned - Year Not Available
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
xxxx
|
3
|
0
|
0
|
1
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
Commitment
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
8
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Other - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; VVOE - 2018
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Borrower - | Primary Income - Wages]; W-2 - 2016
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2018
[Coborrower(s) - | Primary Income - Wages]; VVOE - 2018
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2017
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2016
|
[Borrower]; 1040 - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - No Results Returned - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 1040 - 2015
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; Transcripts (1040) - 2015
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 1040 - 2017
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; Transcripts (1040) - No Results Returned - 2017
[Coborrower]; 1040 - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 1040 - 2015
[Coborrower]; 4506 or 4506-T - 2015
[Coborrower]; Transcripts (1040) - 2015
[Coborrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
xxxx
|
2
|
2
|
3
|
0
|
3
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
Commitment
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
2
|
360
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
9
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; VVOE - 2018
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Borrower - | Primary Income - Wages]; W-2 - 2016
[Borrower - | Primary Income - Wages]; W-2 - 2015
[Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2018
[Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2018
[Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2018
[Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2017
[Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2016
[Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2016
[Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2016
[Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2015
[Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2015
[Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2015
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2018
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2018
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2018
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2016
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2016
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2015
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2015
|
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 1040 - 2015
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; Transcripts (1040) - 2015
[Borrower]; Transcripts (1040) - 2015
[Borrower]; 4506 or 4506-T - 2014
[Borrower]; 4506 or 4506-T - 2013
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; 1040 - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 1040 - 2015
[Coborrower]; 4506 or 4506-T - 2015
[Coborrower]; Transcripts (1040) - 2015
[Coborrower]; Transcripts (1040) - 2015
[Coborrower]; Transcripts (1040) - 2015
[Coborrower]; Transcripts (1040) - 2015
[Coborrower]; 4506 or 4506-T - 2014
[Coborrower]; 4506 or 4506-T - 2013
|
Full Documentation (F)
|
Full
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
xxxx
|
3
|
0
|
2
|
0
|
5
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
Final
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
10
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
Level 4-Stated/Verified as defined
|
Level 5-Stated/Verified as defined
|
Level 3-Stated/Verified as defined
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Employer Letter - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; WVOE - 2018
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Borrower - | Primary Income - Wages]; W-2 - 2016
[Borrower - | Primary Income - Wages]; VVOE - 2001
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2018
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business License - 2018
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2018
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2018
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2018
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2017
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business License - 2017
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2017
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2017
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2017
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2016
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2016
[Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2016
[Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2018
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2018
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2018
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2018
[Coborrower(s) - | Primary Income - Wages]; VVOE - 2018
[Coborrower(s) - | Primary Income - Wages]; WVOE - 2018
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2017
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2016
[Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2018
[Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2018
[Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2017
[Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2017
[Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2016
[Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2016
|
[Borrower]; 1040 - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - No Results Returned - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; Transcripts (1040) - 2015
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 1040 - 2017
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; Transcripts (1040) - No Results Returned - 2017
[Coborrower]; 1040 - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 4506 or 4506-T - 2015
[Coborrower]; 4506 or 4506-T - 2015
[Coborrower]; Transcripts (1040) - 2015
[Coborrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
xxxx
|
2
|
2
|
2
|
0
|
3
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
Commitment
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
11
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Employer Letter - 2018
[Borrower - | Primary Income - Wages]; Other - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; VVOE - 2018
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Borrower - | Primary Income - Wages]; W-2 - 2016
[Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2018
[Coborrower(s) - | Primary Income - Wages]; Other - 2018
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2018
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2018
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2018
[Coborrower(s) - | Primary Income - Wages]; VVOE - 2018
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2017
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2016
|
[Borrower]; 1040 - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 1040 - 2017
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; Transcripts (1040) - 2017
[Coborrower]; 1040 - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 4506 or 4506-T - 2015
[Coborrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
xxxx
|
2
|
2
|
2
|
0
|
3
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
xxxx
|
Commitment
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
12
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - K-1 (< 25%)]; Balance Sheet - 2018
[Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2018
[Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2016
[Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2015
|
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Tax Return Extension - 2017
[Borrower]; Transcripts (1040) - No Results Returned - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 1040 - 2015
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; Transcripts (1040) - 2015
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 1040 - 2017
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; Transcripts (1040) - 2017
[Coborrower]; 1040 - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 4506 or 4506-T - 2015
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
xxxx
|
0
|
0
|
3
|
0
|
3
|
3
|
No
|
xxxx
|
xxxx
|
xxxx
|
Final
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
13
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2018
[Borrower - | Primary Income - IRA Distribution]; 1099 - 2017
[Borrower - | Primary Income - IRA Distribution]; 1099 - 2016
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2018
[Coborrower(s) - | Primary Income - Wages]; VVOE - 2018
[Coborrower(s) - | Primary Income - Wages]; WVOE - 2018
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2017
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2016
|
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - 2017
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; Transcripts (1040) - 2015
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; Transcripts (1040) - 2017
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 4506 or 4506-T - 2015
[Coborrower]; Transcripts (1040) - 2015
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
xxxx
|
0
|
2
|
0
|
0
|
3
|
3
|
xxxx
|
No
|
xxxx
|
xxxx
|
Commitment
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
14
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; VVOE - 2018
[Borrower - | Primary Income - Wages]; VVOE - 2018
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Borrower - | Primary Income - Wages]; W-2 - 2016
|
[Borrower]; 1040 - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveEligible
|
xxxx
|
2
|
2
|
0
|
3
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
Preliminary
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
15
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; WVOE - 2018
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Borrower - | Primary Income - Wages]; W-2 - 2016
|
[Borrower]; 1040 - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; Transcripts (1040) - 2015
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; Transcripts (1040) - 2017
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 4506 or 4506-T - 2015
[Coborrower]; Transcripts (1040) - 2015
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
xxxx
|
2
|
0
|
2
|
0
|
3
|
3
|
xxxx
|
No
|
xxxx
|
xxxx
|
Commitment
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
2
|
360
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
16
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Other - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; The Work Number - Income - 2018
[Borrower - | Primary Income - Wages]; The Work Number - Income - 2018
[Borrower - | Primary Income - Wages]; VVOE - 2018
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Borrower - | Primary Income - Wages]; W-2 - 2016
[Coborrower(s) - | Primary Income - Wages]; Other - 2018
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2018
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2018
[Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2018
[Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2018
[Coborrower(s) - | Primary Income - Wages]; VVOE - 2018
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2017
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2016
|
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - 2017
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 4506 or 4506-T - 2015
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; Transcripts (1040) - 2017
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 4506 or 4506-T - 2015
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
xxxx
|
2
|
2
|
0
|
0
|
3
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
xxxx
|
Preliminary
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
2
|
360
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
17
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2018
[Borrower - | Primary Income - Wages]; The Work Number - Income - 2018
|
[Borrower]; 1040 - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 4506 or 4506-T - 2015
[Coborrower]; 1040 - 2017
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; Transcripts (1040) - 2017
[Coborrower]; 1040 - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 4506 or 4506-T - 2015
[Coborrower]; 4506 or 4506-T - 2015
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
LP / LPA
|
Accept
|
xxxx
|
0
|
0
|
2
|
0
|
3
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
xxxx
|
Commitment
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
18
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2018
[Borrower - | Primary Income - Wages]; The Work Number - Income - 2018
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Borrower - | Primary Income - Wages]; W-2 - 2016
|
[Borrower]; 1040 - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 4506 or 4506-T - 2015
[Coborrower]; 1040 - 2017
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; Transcripts (1040) - 2017
[Coborrower]; 1040 - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 4506 or 4506-T - 2015
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveEligible
|
xxxx
|
2
|
0
|
2
|
0
|
3
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
xxxx
|
Commitment
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
19
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2018
[Borrower - | Primary Income - Sole Proprietor]; Business License - 2018
[Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2018
[Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2018
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2018
[Coborrower(s) - | Primary Income - Wages]; VVOE - 2018
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2017
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2016
|
[Borrower]; 1040 - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 4506 or 4506-T - 2015
[Coborrower]; 1040 - 2017
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; Transcripts (1040) - 2017
[Coborrower]; 1040 - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 4506 or 4506-T - 2015
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveEligible
|
xxxx
|
0
|
2
|
2
|
0
|
3
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
Preliminary
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
20
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2018
[Borrower - | Primary Income - Wages]; The Work Number - Income - 2018
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Borrower - | Primary Income - Wages]; W-2 - 2016
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2018
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2018
[Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2018
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2017
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2016
|
[Borrower]; 1040 - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 4506 or 4506-T - 2015
[Coborrower]; 1040 - 2017
[Coborrower]; 4506 or 4506-T - 2017
[Coborrower]; Transcripts (1040) - 2017
[Coborrower]; Transcripts (1040) - 2017
[Coborrower]; 1040 - 2016
[Coborrower]; 4506 or 4506-T - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; Transcripts (1040) - 2016
[Coborrower]; 4506 or 4506-T - 2015
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
xxxx
|
2
|
2
|
2
|
0
|
3
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
xxxx
|
Preliminary
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
2
|
360
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
21
|
xxxx
|
xxxx
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
US Citizen
|
XXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Paystubs - 2018
[Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2018
[Borrower - | Primary Income - Wages]; The Work Number - Income - 2018
[Borrower - | Primary Income - Wages]; W-2 - 2017
[Borrower - | Primary Income - Wages]; W-2 - 2016
|
[Borrower]; 1040 - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; 4506 or 4506-T - 2017
[Borrower]; Transcripts (1040) - 2017
[Borrower]; 1040 - 2016
[Borrower]; 4506 or 4506-T - 2016
[Borrower]; Transcripts (1040) - 2016
[Borrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
Full
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveEligible
|
xxxx
|
2
|
2
|
0
|
2
|
2
|
xxxx
|
No
|
xxxx
|
xxxx
|
xxxx
|
Commitment
|
Fee Simple
|
No
|
No
|
xxxx
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
|
ASF
|
|||
|
Run Date - 6/5/2026 3:00:55 PM
|
|||
|
Primary Servicer
|
Servicing Fee Percentage
|
Servicing Fee Flat Dollar
|
Servicing Advance Methodology
|
Originator
|
Loan Group
|
Loan Number
|
Amortization Type
|
Lien Position
|
Heloc Indicator
|
Loan Purpose
|
Cash Out Amount
|
Total Origination and Discount Points in Dollars
|
Covered High Cost Loan Indicator
|
Relocation Loan Indicator
|
Broker Indicator
|
Channel
|
Escrow Indicator
|
Senior Loan Amounts
|
Loan Type of Most Senior Lien
|
Hybrid Period of Most Senior Lien in Months
|
Neg Am Limit of Most Senior Lien
|
Junior Mortgage Balance
|
Origination Date of Most Senior Lien
|
Origination Date
|
Original Loan Amount
|
Original Interest Rate
|
Original Amortization Term
|
Original Term to Maturity
|
First Payment Date of Loan
|
Interest Type Indicator
|
Original Interest Only Term
|
Buy Down Period
|
HELOC Draw Period
|
Current Loan Amount
|
Current Interest Rate
|
Current Payment Amount Due
|
Interest Paid Through Date
|
Current Payment Status
|
Index Type
|
ARM Look Back Days
|
Gross Margin
|
ARM Round Flag
|
ARM Rounding Factor
|
Initial Fixed Rate Period
|
Initial Interest Rate Cap Change Up
|
Initial Interest Rate Cap Change Down
|
Subsequent Interest Rate Reset Period
|
Subsequent Interest Rate Change Down
|
Subsequent Interest Rate Change Up
|
Lifetime Maximum Rate Ceiling
|
Lifetime Minimum Rate Floor
|
Negative Amortization Limit
|
Initial Negative Amortization Recast Period
|
Subsequent Negative Amortization Recast Period
|
Initial Fixed Payment Period
|
Subsequent Payment Reset Period
|
Initial Periodic Payment Cap
|
Subsequent Periodic Payment Cap
|
Initial Minimum Payment Reset Period
|
Subsequent Minimum Payment Reset Period
|
Option ARM Indicator
|
Options at Recast
|
Initial Minimum Payment
|
Current Minimum Payment
|
Prepayment Penalty Calculation
|
Prepayment Penalty Type
|
Prepayment Penalty Total Term
|
Prepayment Penalty Hard Term
|
Primary Borrower ID
|
Number of Mortgaged Properties
|
Total Number of Borrowers
|
Self Employment Flag
|
Current Other Monthly Payment
|
Length of Employment Borrower
|
Length of Employment Co Borrower
|
Years in Home
|
FICO Model Used
|
Most Recent FICO Date
|
Primary Wage Earner Original FICO Equifax
|
Primary Wage Earner Original FICO Experian
|
Primary Wage Earner Original FICO Transunion
|
Secondary Wage Earner Original FICO Equifax
|
Secondary Wage Earner Original FICO Experian
|
Secondary Wage Earner Original FICO Transunion
|
Most Recent Primary Borrower FICO
|
Most Recent Co Borrower FICO
|
Most Recent FICO Method
|
Vantagescore Primary Borrower
|
Vantagescore Co Borrower
|
Most Recent Vantagescore Method
|
Vantagescore Date
|
Credit Report Longest Trade Line
|
Credit Report Maximum Trade Line
|
Credit Report Number of Trade Lines
|
Credit Line Usage Ratio
|
Most Recent 12 Month Pay History
|
Months Bankruptcy
|
Months Foreclosure
|
Primary Borrower Wage Income
|
Co Borrower Wage Income
|
Primary Borrower Other Income
|
Co Borrower Other Income
|
All Borrower Wage Income
|
All Borrower Total Income
|
4506T/C Indicator
|
Borrower Income Verification Level
|
Co Borrower Income Verification Level
|
Borrower Employment Verification Level
|
Co Borrower Employment Verification Level
|
Borrower Asset Verification Level
|
Co Borrower Asset Verification Level
|
Liquid Cash Reserves
|
Monthly Debt All Borrowers
|
Originator DTI
|
Fully Indexed Rate
|
Qualification Method
|
Percentage of Down Payment From Borrower Own Funds
|
City
|
State
|
Postal Code
|
Property Type
|
Occupancy
|
Sales Price
|
Original Appraised Property Value
|
Original Property Valuation Type
|
Original Property Valuation Date
|
Original Automated Valuation Model AVM Model Name
|
Original AVM Confidence Score
|
Most Recent Property Value
|
Most Recent Property Valuation Type
|
Most Recent Property Valuation Date
|
Most Recent AVM Model Name
|
Most Recent AVM Confidence Score
|
Original CLTV
|
Original LTV
|
Original Pledged Assets
|
Mortgage Insurance Company Name
|
Mortgage Insurance Percent
|
MI Lender or Borrower Paid
|
Pool Insurance Co Name
|
Pool Insurance Stop Loss Percent
|
MI Certificate Number
|
Updated DTI Front End
|
Updated DTI Back End
|
Modification Effective Payment Date
|
Total Capitalized Amount
|
Total Deferred Amount
|
Pre Modification Interest Note Rate
|
Pre Modification P&I Payment
|
Pre Modification Initial Interest Rate Change Downward Cap
|
Pre Modification Subsequent Interest Rate Cap
|
Pre Modification Next Interest Rate Change Date
|
Pre Modification IO Term
|
Forgiven Principal Amount
|
Forgiven Interest Amount
|
Number of Modifications
|
Real Estate Interest
|
Community Ownership Structure
|
Year of Manufacture
|
HUD Code Compliance Indicator Y/N
|
Gross Manufacturers Invoice Price
|
LTI Loan to Invoice Gross
|
Net Manufacturers Invoice Price
|
LTI Net
|
Manufacturer Name
|
Model Name
|
Down Payment Source
|
Community Related Party Lender Y/N
|
Defined Underwriting Criteria Y/N
|
Chattel Indicator
|
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
7
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
1
|
2
|
0
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
164
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
5
|
5
|
3
|
3
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
1
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
4
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
2
|
2
|
0
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
365
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
5
|
5
|
3
|
3
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
7
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
1
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
1
|
2
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
32
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
4
|
4
|
3
|
3
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
1
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
7
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
2
|
2
|
0
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
246
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
5
|
1
|
3
|
1
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
1
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
7
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
0
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
3
|
1
|
0
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
235
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
4
|
3
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
1
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
9
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
0
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
1
|
3
|
0
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
177
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
5
|
4
|
3
|
3
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
7
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
4
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
0
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
1
|
1
|
0
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
205
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
5
|
3
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
7
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
9
|
xxxx
|
xxxx
|
0
|
0
|
1
|
2
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
1
|
1
|
0
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
34
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
5
|
3
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
1
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
3
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
1
|
2
|
0
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
257
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
5
|
3
|
3
|
1
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
1
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
9
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
1
|
2
|
0
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
178
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
3
|
5
|
1
|
3
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
7
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
9
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
3
|
2
|
0
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
422
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
5
|
1
|
3
|
1
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
1
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
4
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
1
|
2
|
0
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
20
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
5
|
4
|
3
|
3
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
12
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
7
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
1
|
2
|
0
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
134
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
5
|
1
|
3
|
1
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
7
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
6
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
1
|
2
|
0
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
48
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
4
|
1
|
3
|
1
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
1
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
7
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
1
|
2
|
0
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
47
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
5
|
5
|
3
|
3
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
1
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
7
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
1
|
2
|
0
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
512
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
4
|
3
|
3
|
1
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
7
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
9
|
xxxx
|
xxxx
|
0
|
0
|
1
|
2
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
2
|
2
|
0
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
281
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
5
|
1
|
3
|
1
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
1
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
4
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
0
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
1
|
2
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
161
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
4
|
5
|
3
|
3
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
1
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
7
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
2
|
2
|
0
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
2
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
5
|
5
|
3
|
3
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
7
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
7
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
1
|
1
|
0
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
236
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
5
|
3
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
7
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
xxxx
|
1
|
1
|
0
|
7
|
xxxx
|
xxxx
|
0
|
0
|
0
|
1
|
4
|
xxxx
|
xxxx
|
xxxx
|
2
|
0
|
0
|
0
|
0
|
2
|
2
|
0
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3
|
307
|
xxxx
|
xxxx
|
xxxx
|
XXXXXXXXXXXX
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1
|
5
|
5
|
3
|
3
|
4
|
4
|
xxxx
|
xxxx
|
xxxx
|
1
|
xxxx
|
xxxx
|
7
|
1
|
xxxx
|
3
|
0
|
xxxx
|
9
|
0
|
xxxx
|
xxxx
|
xxxx
|
0.000000
|