|
Loan Number
|
Loan ID
|
Last Name
|
Note Date
|
Original Loan Amount
|
QM Status
|
ATR Status
|
Compliance Exceptions
|
Credit Exceptions
|
Property Valuation Exceptions
|
Compensating Factors
|
Initial Rating
|
Final Rating
|
Initial Credit Rating
|
Final Credit Rating
|
Initial Compliance Rating
|
Final Compliance Rating
|
Initial Property Valuation Rating
|
Final Property Valuation Rating
|
Initial Overall Loan Grade (DBRS Morningstar)
|
Final Overall Loan Grade (DBRS Morningstar)
|
Initial Credit Grade (DBRS Morningstar)
|
Final Credit Grade (DBRS Morningstar)
|
Initial Property Valuation Grade (DBRS Morningstar)
|
Final Property Valuation Grade (DBRS Morningstar)
|
Initial Compliance Grade(DBRS Morningstar)
|
Final Compliance Grade(DBRS Morningstar)
|
Initial Overall Loan Grade (S&P)
|
Final Overall Loan Grade (S&P)
|
Initial Credit Grade (S&P)
|
Final Credit Grade (S&P)
|
Initial Property Valuation Grade (S&P)
|
Final Property Valuation Grade (S&P)
|
Initial Compliance Grade (S&P)
|
Final Compliance Grade (S&P)
|
|
XXXX
|
8225367
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225351
|
XXXX
|
XXXX
|
XXXX
|
1
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8225375
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225353
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225369
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225383
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225372
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225354
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225365
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225370
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Calculation Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
||||||||||
|
XXXX
|
8225352
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225377
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225368
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225362
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225380
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225378
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225374
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225376
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225363
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225381
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225356
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225379
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225371
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225364
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225366
|
XXXX
|
XXXX
|
XXXX
|
(Clear) Security Instrument - Name Discrepancy-
The borrower(s)' name(s) on the Security Instrument is inconsistent with the Note. The borrowers' name on the
Security Instrument is inconsistent with the Trust Certification. Although the Security Instrument was executed by XXXX and XXXX, the Trust Certification lists XXXX and XXXX as the trustees. No supporting documentation has been provided to
confirm whether XXXX and XXXX are the same individual.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is not sufficient to clear the finding. The LOE from the borrower has been provided.
Please provide Drivers License/XXXX for review. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
||||||||||
|
XXXX
|
8225361
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225384
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225359
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225355
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225360
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225358
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225382
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8225373
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247117
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247121
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247134
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247137
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247114
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247138
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247152
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247136
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247153
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247144
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247124
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247120
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247140
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247109
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247125
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247149
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247104
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247107
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247156
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247122
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247118
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247106
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247105
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247146
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247112
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247150
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247110
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247111
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247127
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247108
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247139
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247135
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247145
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247155
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247119
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247132
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247148
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
No new income documentation provided. Pleaseprovide additional income documentation or calculations to support
qualifyingincome. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM)
Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247141
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247123
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247130
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247143
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247147
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247151
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247126
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247131
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247154
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247113
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8247142
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282613
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282610
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282592
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282621
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282594
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282617
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282598
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282605
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282615
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282604
|
XXXX
|
XXXX
|
XXXX
|
(Clear) Security Instrument - Incomplete-
The following section of the Condominium Rider is incomplete: The project name is missing.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
||||||||||
|
XXXX
|
8282618
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282595
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282612
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282616
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282607
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282599
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282606
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282608
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282609
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282624
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282603
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282623
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282614
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282602
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282593
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282597
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282591
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282590
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282589
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282601
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282620
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282600
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282596
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282588
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282622
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282619
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8282611
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304398
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304440
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304342
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304446
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304333
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304408
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304397
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304289
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304291
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304248
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304324
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304278
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304417
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304407
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304303
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304273
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304421
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304441
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304451
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304328
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304327
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304476
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304378
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304367
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304326
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304443
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304331
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304337
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304329
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304301
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304371
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304249
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304247
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304413
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304377
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304343
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304411
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304420
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304365
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304330
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304250
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304286
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304310
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304338
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304283
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304360
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304241
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304404
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304453
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304379
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304389
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304442
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304357
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304374
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304245
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304311
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304396
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304274
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304439
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304436
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304403
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304242
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304296
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304290
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304361
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304445
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304323
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304295
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304316
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304277
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304461
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304383
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304418
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304375
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304265
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304275
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304309
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304388
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304262
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304261
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304287
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304369
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304297
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304263
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304381
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304268
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304427
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304402
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304344
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304293
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304319
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304345
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304432
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304256
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304356
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304332
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304254
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304395
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304339
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304449
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304394
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304314
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304412
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304313
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304341
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304267
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304336
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304382
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304414
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304282
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304269
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304474
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304272
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304448
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304355
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304429
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304246
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304321
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304431
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304391
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304349
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304465
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304475
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304335
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304428
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304302
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304317
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304435
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304387
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304315
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304292
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304253
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304372
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304472
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304320
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304478
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304459
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304318
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304438
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304300
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304376
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304373
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304281
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304259
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304462
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304334
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304257
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304280
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304312
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304423
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304457
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304385
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304271
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304447
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304307
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304288
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304284
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304364
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304393
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304270
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304266
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304415
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304325
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304351
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304322
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304260
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304410
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304405
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304458
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304380
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304426
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304347
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304304
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304350
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304306
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304392
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304437
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304255
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304430
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304368
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304399
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304401
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304346
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304252
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304473
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304384
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304359
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304305
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304433
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304352
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304406
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304298
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304243
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304370
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304363
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304450
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304425
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304299
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304279
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304244
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304276
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304390
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304454
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304409
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304467
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304353
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304294
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304354
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304308
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304340
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304366
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304362
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8304258
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001891
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001899
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001925
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001935
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing Income Documents-
The income data was delivered as $XXXX. The loan file is missing recent income documents for the borrower. The
loan file only contained one paystub dated XX/XX/XXXX. A minimum of XXXX paystubs, passing a recency test are required. The DTI could not be confirmed.
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation is sufficient. (Resolved)
|
4
|
1
|
4
|
1
|
1
|
1
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001850
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001847
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001900
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001859
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001846
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001861
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001901
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001917
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001882
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001851
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001877
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001894
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001915
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001886
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001933
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001852
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001919
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001903
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001848
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001876
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001880
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001866
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001853
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001865
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001932
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001890
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001921
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001927
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001843
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001862
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001934
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001905
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001923
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001924
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001858
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001912
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001883
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001907
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001929
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001928
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001936
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001869
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001872
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001910
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001863
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001906
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001864
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001849
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001918
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001911
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001898
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001884
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001908
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001892
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001897
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001916
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001888
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001889
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001885
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001871
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001922
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001904
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8001870
|
XXXX
|
XXXX
|
XXXX
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Finding-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
XXXX
|
8290179
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290337
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290220
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290364
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290195
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290254
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290359
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290302
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290142
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290172
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290350
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290395
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290269
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290192
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290202
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290310
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290329
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290336
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290154
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290413
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290307
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290248
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290279
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Rescission Test-
The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8290409
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290340
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290144
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290219
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290372
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290324
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290215
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290159
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290360
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290210
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290158
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290391
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290400
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290349
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290268
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290369
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290223
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290412
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXPM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290271
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290256
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290197
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290168
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290216
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Incomplete-
The following section of the Security Instrument is incomplete: The XXXX acknowledgement for XXXX is missing.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8290397
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290305
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290253
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290208
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290304
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290282
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290330
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290267
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290344
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290352
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290289
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290410
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290298
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290165
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290325
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290222
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290313
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290281
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290245
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290194
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290160
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290161
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no
way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290153
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290167
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290233
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290249
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXPM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290200
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290186
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290146
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290157
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Compliance Finding - Other-
There is a Statement of Credit Denial in the loan file. The letter states that the lender is withdrawing the
credit application for the subject loan.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
3
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8290283
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290293
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290353
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290398
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290378
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290392
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290265
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290191
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290406
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290149
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290335
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290294
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290183
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290338
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290373
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290408
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290341
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290328
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290333
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290390
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290266
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290331
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290164
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290163
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290319
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The notary only acknowledged the borrower; XXXX; however,
the notary did not acknowledge the spouse who is also listed on the mortgage; XXXX.
Response 1 (XX/XX/XXXX XX:XXAM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8290381
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290383
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290362
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXPM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290368
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290291
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290385
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290198
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290261
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290182
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290404
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290288
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290241
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290339
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290332
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290166
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290209
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290388
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290387
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290320
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290299
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290348
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290199
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290155
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Missing Signature-
The Security Instrument was not fully executed by all required parties. The signatures and notary acknowledgement
for XXXX and XXXX are missing.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8290377
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290414
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290347
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290363
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290379
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290230
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290321
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290224
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290366
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290346
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290262
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290308
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290376
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXPM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290188
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290309
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290178
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290175
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290257
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXPM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290212
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290247
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290213
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290260
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290303
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290380
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290170
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290318
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290140
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290274
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290227
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290214
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290201
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290403
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290246
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290311
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290296
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290323
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290407
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290405
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290312
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290177
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290297
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290384
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290355
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290396
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290401
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290236
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290280
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290361
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290181
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290343
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290238
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290367
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290272
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290258
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Compliance Finding - Other-
There is a Statement of Credit Denial in the loan file. The letter states that the lender is withdrawing the
credit application for the subject loan.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8290237
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290411
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290184
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290150
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290143
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290147
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290290
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290285
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290242
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290334
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290240
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290316
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290284
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290375
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290206
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290295
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290196
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290187
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290225
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290386
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290356
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290145
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290217
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290174
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290193
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290232
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290235
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290292
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290180
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290156
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290250
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290169
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290345
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290148
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290374
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290273
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290151
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290252
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290399
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290141
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290393
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290190
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290300
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290276
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290228
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290342
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290270
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290204
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290152
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290244
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290275
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290221
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290226
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290218
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290357
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290264
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290389
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290211
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290277
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290139
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290415
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290173
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290203
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290176
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290259
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290263
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290171
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290229
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290314
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290286
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290394
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290402
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290327
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8290416
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290243
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290370
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290322
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290207
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290317
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290326
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290185
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290189
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290251
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290315
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290301
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290255
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290234
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290306
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290231
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290239
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290205
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290162
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290287
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290358
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290382
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290365
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290351
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8290278
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286371
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286246
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286347
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286317
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286262
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286407
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Documents reflect the mortgage is paid by other. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286261
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines. The loan beam is missing.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8286162
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286257
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286339
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Compliance Finding - Other-
There is a Statement of Credit Denial in the loan file. The letter states that the lender is withdrawing the
credit application for the subject loan.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8286361
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286229
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286209
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286313
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286311
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286195
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286197
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286151
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286269
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286418
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286373
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286345
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286336
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286265
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286220
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286356
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286382
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286161
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286348
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286316
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286158
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286395
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286176
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286217
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286173
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286355
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286274
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286354
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286452
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286290
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286332
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286251
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286446
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286165
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286368
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286389
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286350
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286180
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286300
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286362
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286400
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286270
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286182
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286153
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286422
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286334
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286276
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286367
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286183
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Incomplete-
The following section of the Security Instrument is incomplete: XXXX did not state who appeared before them
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8286231
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286358
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286387
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286228
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286431
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286372
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286447
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286315
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286412
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286366
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286306
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286384
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286338
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286239
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286235
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286204
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286244
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286160
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286414
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286266
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286425
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286283
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286225
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286360
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286411
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286154
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286421
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286241
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286374
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286258
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286240
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286295
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286396
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286370
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286440
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Documents reflect the mortgage is paid by other. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286321
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286174
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286344
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286206
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286259
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286406
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286279
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Documents reflect the mortgage is paid by other. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286238
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286218
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286420
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286312
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286408
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286277
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286164
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286203
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286159
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286294
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286210
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286179
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286433
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286232
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286189
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286444
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286301
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286307
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286200
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286282
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no
way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286185
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286399
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286253
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286256
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286318
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286453
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286230
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286224
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286434
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Documents reflect the mortgage is paid by other. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286177
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286222
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286250
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286227
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The Pud rider name of development when compared with the
original Pud rider name does not match " XXXX".
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8286293
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286340
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286208
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286397
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286314
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286379
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286423
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286202
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286215
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286207
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286404
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286346
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286385
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286456
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286285
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286243
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286403
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286415
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286167
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286364
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286424
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286454
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The Pud rider name is inconsistent with legal description of
previously recorded Pud rider "XXXX".
Response 1 (XX/XX/XXXX XX:XXAM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines.
|
3
|
2
|
2
|
2
|
3
|
1
|
C
|
B
|
B
|
B
|
C
|
A
|
C
|
B
|
B
|
B
|
C
|
A
|
|||||||||
|
XXXX
|
8286221
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286349
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286226
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8286342
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286163
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286445
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286166
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286359
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286273
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286394
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286219
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286378
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286168
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286178
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286296
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286297
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286437
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286363
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable XXXX and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286233
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286386
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286410
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286255
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286155
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286247
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286212
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286428
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286271
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286419
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286328
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286281
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286341
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286455
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286323
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286310
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286157
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286432
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286175
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286193
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286409
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. Corrected data tape and LOX sent in to correct 1st lien payment marked as
revolving rather than mortgage payment. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286245
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286172
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286308
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286186
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286402
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286352
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286278
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286331
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286413
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286416
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286196
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286429
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286263
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. Corrected data tape and LOX sent in to correct 1st lien payment marked as
revolving rather than mortgage payment. (Resolved)
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286288
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286284
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286393
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286184
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286192
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286303
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286439
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286451
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286390
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286211
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286187
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286375
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286213
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286302
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286190
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286322
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286309
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286450
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286169
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8286426
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286357
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286194
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286324
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286199
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286216
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286438
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286401
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The
loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8286249
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286267
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286254
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286289
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286260
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286171
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286280
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286223
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The
loan file is missing income documents for the borrower. The DTI of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8286330
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286292
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286442
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286181
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286320
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286201
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286353
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286435
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286252
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286383
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286170
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286405
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286398
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286417
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Signature Discrepancy-
The security instrument was executed by the borrower on XX/XX/XXXX; however, the document was notarized on
XX/XX/XXXX.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8286264
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286351
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286298
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 2 (XX/XX/XXXX XX:XXPM)
The included deposits do not align with the income. Please provide a sufficient Plaid document for each borrower
reflecting the correct deposits that add up to the total income. (XXXX)
Response 1 (XX/XX/XXXX XX:XXAM)
The Plaid sent in for borrower XXXX contains income that was also included in the Plaid for borrower XXXX. (XXXX)
Response 3 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286291
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286299
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286329
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286191
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286436
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286337
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286430
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286376
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286343
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286286
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286236
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286392
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286369
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286381
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286152
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286448
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286287
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286242
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286268
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286335
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286441
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286275
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286304
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286237
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286305
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286248
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) ROR - Timing-
The Right to Cancel does not provide the borrower with XXXX business days to rescind the transaction. The
rescission date is XXXX business days after the consummation date, the date the borrower receives the Final TIL/HUD-XXXX, or the date the borrower receives the Notice of Right to Cancel, whichever occurs last. The RTC in file is dated
XX/XX/XXXX with a recission date of XX/XX/XXXX. The documents provided show a funding date of XX/XX/XXXX, prior to the recission date of XX/XX/XXXX. Truth in XXXX (Regulation Z)12 CFR 1026.23(b)(1)(v), (a)
Response 1 (XX/XX/XXXX XX:XXPM)
The information provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8286443
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286380
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286198
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286449
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286391
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286377
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrowers. The loan file contains a Plaid income report; however, it is not for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286214
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286272
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286365
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286234
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286327
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286156
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286388
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286188
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286333
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286325
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286326
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8286319
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293217
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293335
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293123
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293181
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293313
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293283
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The
loan file is missing income documents for the borrower. The DTI of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8293150
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The
loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8293121
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293222
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293199
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293304
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293161
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293110
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293236
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293332
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293221
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293230
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293298
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293128
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293296
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293341
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293308
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293334
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293303
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293351
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293153
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293374
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293219
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293330
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293380
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293139
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293202
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293155
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293191
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293145
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The
loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8293349
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293180
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293127
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293284
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293122
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293323
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293147
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no
way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293346
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Missing Signature-
The Security Instrument was not fully executed by all required parties. The mortgage has both XXXX and his wife
XXXX listed. However; only the borrower, XXXX, signed the mortgage. His wife, XXXX, did not sign the mortgage.
Response 1 (XX/XX/XXXX XX:XXAM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8293179
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293385
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293364
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293289
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293228
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293373
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293320
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293291
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293384
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293111
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293377
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293376
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293331
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293183
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293333
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293210
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293138
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293270
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293164
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Open) State Testing - Interest Rate-
This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements
for the lender's license type in the state where the property is located.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
2
|
2
|
1
|
1
|
2
|
2
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
|||||||||
|
XXXX
|
8293253
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293356
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293235
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293173
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 2 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. Corrected data tape and LOX sent in to correct adding first lien payment and
updating the DTI. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM)
Please send updated Data Tape to include new DTI including the mortgage debt. (XXXX)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293345
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293194
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293292
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293285
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293347
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293204
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293317
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293307
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293254
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293381
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293131
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293297
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293355
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293322
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293321
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293290
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293187
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293146
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293215
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293370
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293189
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293360
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293311
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293167
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293200
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The co-signer does not appear to be a title holder but is
listed on page one of the mortgage without their signature. The co-signer must either sign the mortgage or be removed from page one of the document.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8293193
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293165
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293262
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293312
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293188
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293288
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293137
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293174
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293125
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file contains partnership tax returns; however it does not
reflect any income. There is no way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293234
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293239
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293117
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293107
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293129
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293223
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293185
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. Corrected data tape and LOX sent in to correct 1st lien payment marked as
revolving rather than mortgage payment. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293243
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293359
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293177
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293366
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293327
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293273
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293192
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293368
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293365
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293352
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8293255
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293218
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293286
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293361
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293160
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Open) State Testing - Interest Rate-
This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements
for the lender's license type in the state where the property is located.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
2
|
2
|
1
|
1
|
2
|
2
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
|||||||||
|
XXXX
|
8293379
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293198
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293383
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293184
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8293227
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293260
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293232
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293279
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293214
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The
loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8293250
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293344
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293149
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293261
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293207
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293276
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293363
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293259
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293233
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293269
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293251
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293152
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293271
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293277
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293299
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293170
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293350
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293267
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293154
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293294
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293143
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293126
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293109
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293301
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293340
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293176
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293248
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293151
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293144
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293244
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293337
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Open) State Testing - Interest Rate-
This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements
for the lender's license type in the state where the property is located.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
2
|
2
|
1
|
1
|
2
|
2
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
|||||||||
|
XXXX
|
8293338
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293169
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293133
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293196
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293113
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293309
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293162
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293305
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293257
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The
loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8293226
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293342
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293314
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293119
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Open) State Testing - Interest Rate-
This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements
for the lender's license type in the state where the property is located.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
2
|
2
|
1
|
1
|
2
|
2
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
|||||||||
|
XXXX
|
8293163
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293318
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293238
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293272
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293268
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293265
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file contains tax returns; however it does not reflect any
income. There is no way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293148
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293266
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293240
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293136
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293157
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293116
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293141
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293369
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293225
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293246
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293142
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file contains a Plaid; however it does not reflect any income.
There is no way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293247
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293336
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293186
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293166
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293112
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293357
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293339
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293256
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293316
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293197
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293252
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293362
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293348
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293168
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293209
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293130
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293278
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293224
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293171
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293208
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293205
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293220
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293264
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293302
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293190
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293306
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293372
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293282
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293310
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293229
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293325
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Documents reflect the mortgage is paid by other. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293201
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293275
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293213
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293241
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293211
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293195
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293132
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293203
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293326
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293382
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust)are incomplete: The mortgage states
two borrowers; XXXX and XXXX. However, the notary only acknowledged XXXX. The notary did not acknowledge XXXX.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
3
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8293329
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293367
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293108
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293386
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293387
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293216
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293354
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293159
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293212
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293315
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293358
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293172
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293135
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293237
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293156
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293120
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293328
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293295
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293280
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293324
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293158
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293378
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293124
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293134
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293281
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293206
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293263
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293293
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293300
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293114
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293118
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293258
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293343
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293353
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293231
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293182
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293274
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293371
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293115
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293178
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293375
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293287
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8293245
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The
loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8293249
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299604
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299606
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299611
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Open) State Testing-
This loan failed the lender fees test due to one of the following findings: (XXXX §XXXX-XXXXA(e); XXXX XXXX-10(a),
(g)). The loan is a first lien home equity line of credit, and the sum of all lender fees exceeds XXXX% of the principal amount. (XXXX XXXX-10(a)).
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
2
|
2
|
1
|
1
|
2
|
2
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
|||||||||
|
XXXX
|
8299616
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299624
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299607
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299629
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Program Parameters - Lien Position-
The data was delivered indicating the subject loan is a first lien; however, documents in the loan file reflect
the XXXX position is a second. Please confirm the XXXX position and provide a letter of explanation and corrected data tape. If the existing first lien recorded on XX/XX/XXXX was paid off, please provide evidence of payoff. Subject to
compliance re-testing.
Response 2 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. Corrected data tape and LOX sent in to update XXXX position to a 2nd, to add
mortgage payment, update DTI and CLTV. (Resolved)
Response 1 (XX/XX/XXXX XX:XXAM)
Please sent in updated data tape to correct the new CLTV to include the first mortgage. Subject to compliance
re-testing. (XXXX)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299630
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299622
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299623
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299609
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299618
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299620
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299615
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no
way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXPM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299603
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299625
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299633
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299608
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299617
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299631
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299614
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299632
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299613
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299610
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299621
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The name of the Condominium is misspelled as "XXXX" instead
of the correct name of "XXXX" on pages XXXX and XXXX of the security instrument. The name should read "XXXX."
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8299626
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299627
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299628
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299605
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8299619
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270924
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270953
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270675
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270877
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270686
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270815
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270836
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270694
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270679
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270809
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270857
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270769
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270929
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines. The loan beam is missing.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8270787
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270684
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270869
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270904
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270888
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270842
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270816
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270788
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270903
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270808
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270887
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270894
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270818
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270712
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270702
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270687
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Name Discrepancy-
The Vested Interest on the Security Instrument is inconsistent with Title and Prior Mortgage. The Security
Instrument reflects the Non-Borrowing Spouse as XXXX whereas Title and the Prior Mortgage reflect the Borrower's Spouse as XXXX. The loan file did not contain documentation to support the change in Vested Interest.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8270695
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270764
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270745
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270905
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270898
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270771
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270798
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270853
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270931
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270667
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270716
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270737
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270828
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270949
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270751
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The XXXX acknowledgment for XXXX is missing on page XXXX.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8270897
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270754
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270749
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270700
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270935
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270748
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270719
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270709
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270680
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270689
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270862
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270919
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Open) State Testing - Interest Rate-
This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements
for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% Interest Rate, the loan has a XXXX% Interest Rate. The loan fails the Interest Rate test by XXXX%.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
2
|
2
|
1
|
1
|
2
|
2
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
|||||||||
|
XXXX
|
8270777
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270744
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270673
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270779
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270917
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270739
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270838
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270775
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270703
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270925
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270705
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270805
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270677
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270920
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270691
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270730
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270766
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270783
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270810
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270892
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270774
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270724
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270747
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270653
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270930
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270855
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270728
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270942
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270674
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270650
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The Title or Type of Document on the XXXX acknowledgment
states it is for the Fact Act Notice. Please provide the notary acknowledgement for the Deed of Trust.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The
loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines.
|
3
|
2
|
2
|
2
|
3
|
1
|
C
|
B
|
B
|
B
|
C
|
A
|
C
|
B
|
B
|
B
|
C
|
A
|
|||||||||
|
XXXX
|
8270933
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270750
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The Condominium name on the Condo Rider does not match the
XXXX name on the legal description.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
(Clear) Note - Incomplete / Inaccurate-
The following section(s) of the Note is inaccurate. The Condominium name listed on page XXXX of the Note does not
match the XXXX name on the legal description.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXPM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
3
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8270804
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270872
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270807
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270789
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270947
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270915
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270657
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270839
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Compliance Finding - Other-
There is a Statement of Credit Denial in the loan file. The letter states that the lender is withdrawing the
credit application for the subject loan.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8270902
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270752
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270797
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270847
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270875
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270741
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270863
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270825
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270829
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270858
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270656
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270860
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270813
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270914
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270916
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270856
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270678
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXPM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270909
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270946
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270939
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270720
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270952
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270696
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270893
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270861
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270773
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270707
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270731
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270908
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270819
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270732
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270940
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270736
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270711
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270801
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270795
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270848
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270881
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270733
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270762
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270830
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270666
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8270918
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270846
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270913
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270768
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The
loan application indicates the borrower has been laid off and no additional documents for the borrower are in the loan file. The DTI of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8270663
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270859
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270821
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270738
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270820
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270776
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270759
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270832
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270659
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270817
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270941
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270854
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270790
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270669
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270725
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270827
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270772
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270824
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270721
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270770
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270699
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXPM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270896
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270743
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270676
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270668
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270874
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270850
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270785
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270878
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270782
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270944
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270899
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270780
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270843
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270951
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270954
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270652
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270928
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270932
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270718
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270841
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270806
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270786
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270765
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270693
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270671
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Open) State Testing - Interest Rate-
This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements
for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% Interest Rate, the loan has a XXXX% Interest Rate. The loan fails the Interest Rate test by XXXX%.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXPM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
2
|
3
|
1
|
2
|
2
|
C
|
B
|
C
|
A
|
B
|
B
|
C
|
B
|
C
|
A
|
B
|
B
|
|||||||||
|
XXXX
|
8270867
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270906
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270683
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270729
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270803
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270685
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270884
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270834
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270852
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270704
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270755
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270891
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270734
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270934
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270945
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270655
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270840
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270885
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270761
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270681
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270723
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270812
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270742
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270921
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270658
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270735
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Incomplete-
The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The notary acknowledgment
is missing for the non borrower on page XXXX of XXXX.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8270835
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270792
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270802
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270823
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270660
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270799
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270886
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270722
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270672
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270936
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270706
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270831
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270870
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8270698
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270796
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270767
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270664
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270938
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270880
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) ROR - Not Executed-
The Right to Cancel Notice was not issued to, signed, and/or dated by all required parties. Truth in XXXX
(Regulation Z)12 CFR 1026.23(b), (a)(1)
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is not sufficient to cure the finding. The Updated ROR for the loan transaction was
issued and the borrower has until midnight on XX/XX/XXXX to rescind. The exception can not be resolved until the recession period ends. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM)
The re-opened rescission expired at midnight on XX/XX/XXXX clearing the exception. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
2
|
1
|
1
|
3
|
2
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
|||||||||
|
XXXX
|
8270688
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270649
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270948
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270713
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270670
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270690
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270882
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270708
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270661
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270866
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270907
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270757
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270927
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270756
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270692
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270753
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270837
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270740
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270697
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270710
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270900
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270844
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270746
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270937
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270883
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270778
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270879
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270868
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines. The loan beam is missing.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8270864
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270950
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The borrower executed the document on XX/XX/XXXX; however,
the notary date reflects the security instrument was acknowledged on XX/XX/XXXX.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8270701
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270760
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270784
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270849
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270922
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270758
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270811
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270890
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270851
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270895
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270865
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270889
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270943
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270763
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270781
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270911
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270822
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270833
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270876
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270662
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270654
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270926
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270726
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270923
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270910
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270873
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270814
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270912
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270791
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270717
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270845
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270682
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8270800
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270715
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270826
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270794
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270901
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270871
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Compliance Finding - Other-
There is a Statement of Credit Denial in the loan file. The letter states that the lender is withdrawing the
credit application for the subject loan.
Response 1 (XX/XX/XXXX XX:XXAM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8270665
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270651
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270727
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8270714
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281278
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281134
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281111
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281289
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281121
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281378
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281152
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281365
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281343
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281234
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281085
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281264
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281146
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281183
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281190
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281315
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281149
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281270
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281282
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281129
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281358
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281213
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281208
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Name Discrepancy-
The non borrower name acknowledged by the notary does not match the non borrower signature and a name affidavit
was not provided.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8281172
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281096
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281387
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281261
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281271
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281145
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281377
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281380
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281342
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no
way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281230
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281130
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281212
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281268
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281153
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281099
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281185
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281347
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281229
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281354
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281086
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281090
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281105
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281360
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281310
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281302
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281341
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281241
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281336
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281233
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281267
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281260
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281132
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281330
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281364
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281313
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281384
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281300
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281087
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281331
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281280
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281317
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281091
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281165
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281214
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281200
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281287
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281335
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281195
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281148
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281355
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281274
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281150
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281345
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281232
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines. The loan beam is missing.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8281223
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281103
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281266
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281120
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281257
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281320
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281254
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281166
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281155
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281093
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281194
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281136
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281191
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281119
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281376
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281239
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281141
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The
loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8281277
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281297
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281251
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281308
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281128
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281178
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281253
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281324
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281272
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281203
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281237
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281351
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281206
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281373
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281097
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281187
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281255
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281353
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281369
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281329
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281295
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281247
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281340
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281088
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281204
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281366
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281143
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281276
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281154
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281196
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281292
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281325
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281249
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281318
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8281084
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281115
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281170
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281303
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281092
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281207
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281263
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281290
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281296
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281163
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281381
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281250
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281316
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The
loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8281284
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281142
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8281137
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281117
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281125
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281126
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281227
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281246
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281221
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281124
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281140
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281186
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281357
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281107
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281235
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281173
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281346
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281294
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281083
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281193
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281174
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281238
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281338
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281388
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281177
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281210
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281374
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281288
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281337
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Incomplete-
The following section(s) of the Security Instrument (Mortgage/Deed of Trust) incomplete:The borrower's name is
missing from the mortgage's notary acknowledgment page.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8281339
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281226
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281211
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281306
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281314
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281219
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281283
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The Condo Rider is not accurate, the name of the Condominium
Project reflects XXXX Condominium; however, XXXX records reflects the Condominium Project is XXXX.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is not sufficient to clear the finding. The Condo rider provided was in the original
loan file and has not been updated to disclose the correct Condo project name. Please provide corrected Condo rider for review. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
(Clear) Note - Incomplete / Inaccurate-
The following section of the Note is inaccurate: The name of the Condominium Project reflects XXXX Condominium;
however, XXXX records reflects the Condominium Project is XXXX.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is not sufficient to clear the finding. The Note provided was in the original loan file
and has not been updated to disclose the correct Condo project name. Please provide corrected Note for review. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8281379
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281199
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281109
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281122
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281138
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281350
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281114
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281116
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281171
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281252
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281305
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281184
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281370
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281334
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281245
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281240
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281181
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281286
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281102
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281133
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281147
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281375
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281220
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281175
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281197
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281215
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281144
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281372
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Open) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The
loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines.
|
2
|
2
|
2
|
2
|
1
|
1
|
B
|
B
|
B
|
B
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
|||||||||
|
XXXX
|
8281321
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281323
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281127
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281231
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281205
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281332
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281236
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281243
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281298
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281189
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281216
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281309
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281224
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281344
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281349
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281202
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281110
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281281
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281279
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281352
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281304
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281161
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281382
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281169
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281307
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281218
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281367
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281113
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281095
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281301
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281328
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281209
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281094
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281108
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281244
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281327
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281386
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Compliance Finding - Other-
There are additional XXXX. There is a Statement of Credit Denial in the loan file. The letter states that the
lender is withdrawing the credit application for the subject loan.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8281242
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281293
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281139
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281198
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281182
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281269
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281359
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281179
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281248
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281217
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281089
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281291
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281164
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281123
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281100
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281151
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281319
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281273
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281265
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281160
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281333
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281157
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281159
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281098
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281135
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281101
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281118
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281371
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281259
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281112
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281106
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281192
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281168
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281228
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281156
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281222
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281356
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281275
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281368
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the
“Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Documents reflect the mortgage is paid by other. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281262
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281225
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281180
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281285
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281256
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281385
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281311
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281312
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281383
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281299
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281167
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281348
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281201
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
The income is supported. Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281162
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281363
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281361
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281176
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281362
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281322
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281104
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281188
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8281326
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8126720
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8163214
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8179973
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Waived) Appraisal - Other-
The guidelines that apply for application date of XXXX.XXXX reflect "all loans in XXXX greater than XXXX% CLTV are
not eligible for an AVM and require a BPO". The data was delivered indicating the property is in XXXX, the CLTV is XXXX% and the value type is XXXX, which is not an eligible valuation product. A BPO was required.
Response 1 (XX/XX/XXXX XX:XXAM)
Exception granted by investor. (Waived)
|
Low DTI of XXXX%, disposable income over $XXXX per month, owner occupied
|
3
|
2
|
3
|
2
|
1
|
1
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
||||||||
|
XXXX
|
8209375
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Program Parameters - Lien Position-
The data was delivered indicating the subject loan is a second lien; however, documents in the loan file reflect
the XXXX position would be a third. There is an existing second XXXX on the property that was not paid off on the HUD. The loan file contains a payoff statement but no evidence the line was paid off. Document the second lien with a payoff
amount of $XXXX is paid off. Provide a wire confirmation for the payoff or evidence of closure and $XXXX balance. Subject to compliance re-testing.
Response 2 (XX/XX/XXXX XX:XXPM)
Documentation provided is not sufficient. The documents indicate the borrower received the funds and not sent to
the lender for payoff. Provide evidence the mortgage is paid off and HELOC closure. Provide a lien release or payoff showing $XXXX balance and document the line of credit is closed. (XXXX)
Response 3 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation provided is not sufficient. Provide evidence the mortgage is paid off and HELOC closure. Provide a
lien release or payoff showing $XXXX balance and document the line of credit is closed. (XXXX)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8220723
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215096
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file contains XXXX personal and corporate tax returns; however it
does not reflect any income. There is no way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215080
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8220834
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8214962
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file contains a loan beam; however the loan file does not contain
the corresponding tax returns to verify the information. There is no way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8214956
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215111
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215022
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Open) State Testing - Interest Rate-
This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements
for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% Interest Rate, the loan has a XXXX% Interest Rate. The loan fails the Interest Rate test XXXX%%.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
2
|
3
|
1
|
2
|
2
|
C
|
B
|
C
|
A
|
B
|
B
|
C
|
B
|
C
|
A
|
B
|
B
|
|||||||||
|
XXXX
|
8215249
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8214939
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating a there is a senior line however, no 1st XXXX mortgage payment was included in
the "Monthly payment first mortgage" data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXPM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215037
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8214227
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The name of the trust listed in the mortgage does not match
the name of the trust listed in the trust documents. The borrower's last name in the trust name was not spelled correctly on page XXXX of the security instrument and page XXXX of the revocable trust rider.
Response 1 (XX/XX/XXXX XX:XXAM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8215049
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8220813
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The XXXX acknowledgement is missing for XXXX XXXX.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8215117
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no
way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8214726
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215152
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8214722
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Name Discrepancy-
The borrower(s)' name(s) on the Security Instrument is inconsistent with the Note. The names on the mortgage do
not match the names confirmed on the acknowledgement. The names on the mortgage are XXXX and XXXX. However, the notary confirmed the names as XXXX and XXXX.
Response 1 (XX/XX/XXXX XX:XXAM)
The documentation provided is sufficient to cure the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8215220
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The notary did not acknowledge the Co-borrower.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8214931
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8214385
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The date of the trust on page XXXX of the security
instrument (XX/XX/XXXX) does not match the date on the trust or the mortgage signature page XXXX of 9 (XX/XX/XXXX).
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8215082
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Incomplete-
The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The name of the borrower
was not reflected under the notary acknowledgment section on page XXXX of the Security Instrument.
Response 1 (XX/XX/XXXX XX:XXAM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8220821
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8214843
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The XXXX acknowledgement for Shannon XXXX is missing on page
XXXX of the Note.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8215150
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8214989
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating a there is a senior line however, no 1st XXXX mortgage payment was included in
the "Monthly payment first mortgage" data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215122
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8220737
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no
way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215114
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating a there is a senior line however, no 1st XXXX mortgage payment was included in
the "Monthly payment first mortgage" data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8214928
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8220837
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215074
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Compliance Finding - Other-
There is a Statement of Credit Denial in the loan file. The letter states that the lender is withdrawing the
credit application for the subject loan.
Response 1 (XX/XX/XXXX XX:XXAM)
The documentation provided is sufficient to cure the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8220825
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating a there is a senior line however, no 1st XXXX mortgage payment was included in
the "Monthly payment first mortgage" data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8214945
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating a there is a senior line however, no 1st XXXX mortgage payment was included in
the "Monthly payment first mortgage" data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215158
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Plaid received reflects the same income calculated at initial review. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215231
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8214922
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Program Parameters - Lien Position-
The data was delivered indicating the subject loan is a 1st XXXX; however, documents in the loan file reflect the
XXXX position is a 2nd lien. Title reflects a senior XXXX with an original balance of $XXXX recorded on XX/XX/XXXX. Please confirm the XXXX position and provide a letter of explanation and corrected data tape, if applicable. Subject to
compliance re-testing and recalculation of DTI.
Response 1 (XX/XX/XXXX XX:XXAM)
Document current balance and payment of 1st XXXX. DTI and CLTV will be recalculated. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM)
The senior XXXX is documented with a balance of $XXXX. The borrower is not responsible for the 1st lien payment;
however, the XXXX position is confirmed to be a 2nd and the CLTV has been recalculated as XXXX%. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215020
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Incomplete-
The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The names of the borrower
and non-borrowers were not reflected under the notary acknowledgment section on page XXXX of the Security Instrument.
Response 1 (XX/XX/XXXX XX:XXAM)
The information provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8220805
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating a there is a senior line however, no 1st XXXX mortgage payment was included in
the "Monthly payment first mortgage" data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8214927
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8220775
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the co-borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215047
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating a there is a senior line however, no 1st XXXX mortgage payment was included in
the "Monthly payment first mortgage" data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8220845
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Incomplete-
The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The name of the borrower
was not reflected under the notary acknowledgment section on page XXXX of the Security Instrument.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
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3
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1
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C
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A
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A
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A
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C
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A
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C
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A
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A
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A
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C
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A
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|||||||||
|
XXXX
|
8220841
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. (Resolved)
|
3
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1
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3
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1
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1
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1
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C
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A
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C
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A
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A
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A
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C
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A
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C
|
A
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A
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A
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|||||||||
|
XXXX
|
8215001
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file contains a Plaid; however, there are no borrower identifying
information to verify that it was for the borrower. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
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1
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3
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1
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1
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1
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C
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A
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C
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A
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A
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A
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C
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A
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C
|
A
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A
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A
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|||||||||
|
XXXX
|
8214790
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Waived) DTI - Calculation-
The data was delivered indicating a there is a senior line however, no 1st XXXX mortgage payment was included in
the "Monthly payment first mortgage" data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXAM)
The explanation that the mortgage payment was included in the revolving accounts section rather than monthly
payment first mortgage is sufficient to tie out the debts; however, this confirms the first XXXX is a HELOC which is ineligible under the guidelines. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM)
Exception approved by investor. (Waived)
|
XXXX% CLTV, XXXX credit score, owner occupied
|
3
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2
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3
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2
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1
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1
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C
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B
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C
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B
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A
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A
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C
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B
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C
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B
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A
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A
|
||||||||
|
XXXX
|
8215072
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Incomplete-
The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The XXXX did not
acknowledge the borrower and the Co-borrower.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
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1
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1
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1
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3
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1
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C
|
A
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A
|
A
|
C
|
A
|
C
|
A
|
A
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A
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C
|
A
|
|||||||||
|
XXXX
|
8214949
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no
way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
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3
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1
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1
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1
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C
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A
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C
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A
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A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215169
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215194
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The Pud rider name, XXXX, does not match the previous Pud
rider " XXXX".
Response 1 (XX/XX/XXXX XX:XXAM)
The documentation provided is sufficient to cure the finding. (Resolved)
|
(Clear) Income - Variance-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI
of XXXX% is within the guidelines. The loan beam is missing.
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
2
|
1
|
3
|
1
|
C
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8214823
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXPM)
Contract provided is full time for XXXX. Borrower is already employed full time for XXXX. Contract is not
sufficient. A paystub reflecting the second job and evidence both jobs are still being paid is required. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM)
The first job is fully documented. There is only a contract for the second job. Please provide a paystub for the
second job. (XXXX)
Response 3 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8220740
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215238
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8220733
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the
guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215058
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file is missing income documents for the borrowers. There is no
way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8220745
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no
way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8220738
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Income - Missing-
The income data was delivered as $XXXX. The loan file contains XXXX tax returns; however it does not reflect any
income. The loan beam is missing. There is no way to determine if the borrowers meet the DTI requirements.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215246
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Incomplete-
The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The county name is
missing on page XXXX of the Security Instrument.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8215232
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) Program Parameters - Lien Position-
The data was delivered indicating the subject loan is a 1st XXXX; however, documents in the loan file reflect the
XXXX position is a 2nd. Title and the credit report reflect an open lien with a balance of $XXXX and payment of $XXXX. Please confirm the XXXX position and provide a letter of explanation and corrected data tape, if applicable. Subject to
compliance re-testing.
Response 1 (XX/XX/XXXX XX:XXPM)
Documentation is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215173
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Calculation-
The data was delivered indicating a there is a senior line however, no 1st XXXX mortgage payment was included in
the "Monthly payment first mortgage" data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated.
Response 1 (XX/XX/XXXX XX:XXPM)
Borrower is not responsible for first mortgage. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8220792
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The XXXX did not acknowledge the Coborrower.
Response 1 (XX/XX/XXXX XX:XXAM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
|||||||||
|
XXXX
|
8215224
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Missing Signature-
The Security Instrument was not fully executed by all required parties. The Non-Borrowing Spouse's signature was
missing.
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is sufficient to clear the finding. (Resolved)
(Clear) ROR - Not Executed-
The Right to Cancel Notice was not issued to, signed, and/or dated by all required parties. The Right to Cancel
Notice for the Non-Borrowing Spouse was not executed. Truth in XXXX (Regulation Z) 12 CFR 1026.23(b), (a)(1)
Response 1 (XX/XX/XXXX XX:XXPM)
The documentation provided is not sufficient to cure the finding. The Updated ROR for the loan transaction was
issued and the borrower has until midnight on XX/XX/XXXX to rescind. The exception can not be resolved until the recession period ends. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM)
The re-opened rescission expired at midnight on XX/XX/XXXX clearing the exception. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
2
|
1
|
1
|
3
|
2
|
C
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
B
|
|||||||||
|
XXXX
|
8220722
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8215219
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) DTI - Exceeds Guidelines-
The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income
documents for the borrower. The DTI of XXXX% exceeds the guidelines.
Response 1 (XX/XX/XXXX XX:XXAM)
Documentation received is sufficient. (Resolved)
|
3
|
1
|
3
|
1
|
1
|
1
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8214317
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) No Compliance Findings-
The loan is in compliance with all applicable laws and regulations.
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
1
|
1
|
1
|
1
|
1
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||
|
XXXX
|
8214663
|
XXXX
|
XXXX
|
XXXX
|
GQM Exempt - Business Purpose
|
(Clear) Security Instrument - Inaccurate-
The security instrument was not completed accurately. The name of the trust listed in the mortgage does not match
the name of the trust listed in the trust documents. The date of the trust on page XXXX of the mortgage and the acknowledgment of borrower's rights rider, XX/XX/XXXX, does not match the executed date of the trust on the trust document,
XX/XX/XXXX.
Response 1 (XX/XX/XXXX XX:XXPM)
Documents not received. Please resubmit. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM)
The documentation provided is sufficient to clear the finding. (Resolved)
|
(Clear) No Credit Findings-
The loan meets all applicable credit guidelines.
|
3
|
1
|
1
|
1
|
3
|
1
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|