|
Client Name:
|
||||||||||||||||||||||||
|
Client Project Name:
|
PRET 2026-RPL3
|
|||||||||||||||||||||||
|
Start - End Dates:
|
2/9/2022 - 4/13/2023
|
|||||||||||||||||||||||
|
Deal Loan Count:
|
32
|
|||||||||||||||||||||||
|
Conditions Report 2.0
|
||||||||||||||||||||||||
|
Loans in Report:
|
32
|
|||||||||||||||||||||||
|
Loans with Conditions:
|
28
|
|||||||||||||||||||||||
|
Loan Number
|
Pretium Loan ID
|
Original Principal Balance
|
State
|
Initial Lender ATR/QM Status
|
Loan Level ATR/QM Status
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Condition Category
|
Condition Sub Category
|
Condition Status
|
Initial Securitization Condition Grade
|
Final Securitization Condition Grade
|
Initial S&P Condition Grade
|
Final S&P Condition Grade
|
Condition Code
|
Condition Description
|
Condition Material Indicator
|
Initial Comments
|
Client/Seller Response Comments
|
Conclusion Comments
|
TRID Error Type
|
Cure Method
|
|
XXXXXX
|
2119926
|
XXXXXX
|
NJ
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Documentation
|
Active
|
D
|
D
|
D
|
D
|
CMPDOC796
|
Missing Title
|
Yes
|
Missing title.
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
|
XXXXXX
|
2119926
|
XXXXXX
|
NJ
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP307
|
TILA - Missing TIL at application
|
No
|
Missing Early TIL.
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
|
XXXXXX
|
2119926
|
XXXXXX
|
NJ
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
State Prepayment Penalty
|
Active
|
C
|
B
|
C
|
B
|
CMPSTPP100
|
PPP - Prepayment penalty prohibited by state
|
No
|
Prepayment penalty prohibited by state. PPP is expired.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
(No Data)
|
|
XXXXXX
|
1536120
|
XXXXXX
|
LA
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
APR Tolerance
|
Active
|
B
|
B
|
B
|
B
|
CMPAPRT110
|
APR - Insufficient Information for APR-Payment Stream Testing
|
No
|
Missing Final HUD-1, Final TIL, MI Cert, and Appraisal.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1536120
|
XXXXXX
|
LA
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Documentation
|
Active
|
C
|
C
|
C
|
C
|
CMPDOC2033
|
Mortgage Insurance required but MI Certificate is missing
|
Yes
|
Missing FHA Mortgage Insurance Certificate.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1536120
|
XXXXXX
|
LA
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Documentation
|
Active
|
D
|
B
|
D
|
B
|
CMPDOC155
|
Application Missing
|
No
|
Missing Application.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1536120
|
XXXXXX
|
LA
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP307
|
TILA - Missing TIL at application
|
No
|
Missing Initial TIL.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1536120
|
XXXXXX
|
LA
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Federal Consumer Protection
|
Active
|
D
|
B
|
D
|
B
|
CMPFDCP308
|
TILA - Missing TIL at closing
|
No
|
Missing Final TIL.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1536120
|
XXXXXX
|
LA
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
RESPA
|
Active
|
B
|
B
|
B
|
B
|
CMPRESPA3016
|
RESPA - GFE Not in File
|
No
|
Missing GFE.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1536120
|
XXXXXX
|
LA
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
RESPA
|
Active
|
D
|
D
|
D
|
D
|
CMPRESPA855
|
RESPA - Missing HUD 1/1A Settlement Statement
|
Yes
|
Missing Final HUD-1 statement.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1688374
|
XXXXXX
|
TX
|
(No Data)
|
ATR/QM: Not Applicable
|
A
|
A
|
A
|
A
|
|||||||||||||||
|
XXXXXX
|
1687679
|
XXXXXX
|
NY
|
(No Data)
|
ATR/QM: Not Applicable
|
A
|
A
|
A
|
A
|
|||||||||||||||
|
XXXXXX
|
6401830
|
XXXXXX
|
OH
|
(No Data)
|
ATR/QM: Not Applicable
|
A
|
A
|
A
|
A
|
|||||||||||||||
|
XXXXXX
|
1683478
|
XXXXXX
|
IN
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP307
|
TILA - Missing TIL at application
|
No
|
Missing initial TIL
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1683478
|
XXXXXX
|
IN
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP849
|
TILA - Required ARM Loan Program Disclosure missing
|
No
|
Missing ARM disclosure
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1683478
|
XXXXXX
|
IN
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
RESPA
|
Active
|
B
|
B
|
B
|
B
|
CMPRESPA3016
|
RESPA - GFE Not in File
|
No
|
Missing GFE
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1684321
|
XXXXXX
|
TN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Documentation
|
Active
|
N/A
|
D
|
N/A
|
D
|
CMPDOC5407
|
Application Missing
|
Yes
|
Missing application
|
(No Data)
|
(No Data)
|
Not Applicable
|
Not Applicable
|
|
XXXXXX
|
1684321
|
XXXXXX
|
TN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
RESPA
|
Active
|
B
|
B
|
B
|
B
|
CMPRESPA3016
|
RESPA - GFE Not in File
|
No
|
Missing GFE
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1684321
|
XXXXXX
|
TN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Right of Rescission
|
Active
|
B
|
B
|
B
|
B
|
CMPROR2043
|
Cannot determine if funding date is after rescission period
|
No
|
Missing disbursement date
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1684321
|
XXXXXX
|
TN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Right of Rescission
|
Active
|
D
|
B
|
D
|
B
|
CMPROR5345
|
ROR - Missing or Incomplete Right of Rescission form
|
No
|
Missing ROR
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1687447
|
XXXXXX
|
LA
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP307
|
TILA - Missing TIL at application
|
No
|
Missing lender's initial TIL
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1687447
|
XXXXXX
|
LA
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP314
|
TILA - Final TIL not dated, unable to confirm timely delivery
|
No
|
Final TIL is not hand dated by borrower, unable to confirm timely delivery
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1687447
|
XXXXXX
|
LA
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP849
|
TILA - Required ARM Loan Program Disclosure missing
|
No
|
Missing ARM disclosure
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
2119649
|
XXXXXX
|
NY
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP300
|
HMDA Rate Spread greater than threshold
|
No
|
The test APR is XX.XX%, the benchmark APR is XX.XX% resulting in a difference of 4.624%. This exceeds the max loan rate/bench mark
difference of 3.000%.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401636
|
XXXXXX
|
NY
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Documentation
|
Active
|
B
|
B
|
B
|
B
|
CMPDOC2033
|
Mortgage Insurance required but MI Certificate is missing
|
No
|
Mortgage Insurance required but MI Certificate is missing.
|
(No Data)
|
MI no loner active per data tape.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401636
|
XXXXXX
|
NY
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
RESPA
|
Active
|
B
|
B
|
B
|
B
|
CMPRESPA3016
|
RESPA - GFE Not in File
|
No
|
Missing GFE.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401663
|
XXXXXX
|
MD
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP309
|
TILA - Final TIL not Executed
|
No
|
Final TIL is not signed or hand-dated by the borrower. Unable to confirm timely delivery.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401663
|
XXXXXX
|
MD
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP314
|
TILA - Final TIL not dated, unable to confirm timely delivery
|
No
|
Final TIL is not signed or hand-dated by the borrower. Unable to confirm timely delivery.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401668
|
XXXXXX
|
OH
|
(No Data)
|
ATR/QM: Not Applicable
|
C
|
B
|
C
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
C
|
B
|
C
|
B
|
CMPFDCP315
|
TILA - Sum of scheduled pmts not equal to Total of Payments
|
No
|
Total of Payments per the Final TIL is $XXX. Total of Payments per payment stream is $XXX, for a discrepancy of $.01.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401668
|
XXXXXX
|
OH
|
(No Data)
|
ATR/QM: Not Applicable
|
C
|
B
|
C
|
B
|
Compliance
|
State Prepayment Penalty
|
Active
|
B
|
B
|
B
|
B
|
CMPSTPP302
|
PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed
|
No
|
Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged on lender to lender
refinance. PPP Expired.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401670
|
XXXXXX
|
NY
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
B
|
D
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP300
|
HMDA Rate Spread greater than threshold
|
No
|
Test APR XX.XX% HMDA Benchmark Rate XX.XX HMDA Benchmark/APR Variance 3.577 HMDA Rate Spread Trigger 3.000
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401670
|
XXXXXX
|
NY
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
B
|
D
|
B
|
Compliance
|
RESPA
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPRESPA855
|
RESPA - Missing HUD 1/1A Settlement Statement
|
No
|
Missing a better copy of the Final HUD-1, copy in file illegible
|
9/27/18 - HUD1 provided.
|
9/27/18 - Satisfied.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401670
|
XXXXXX
|
NY
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
B
|
D
|
B
|
Compliance
|
State Prepayment Penalty
|
Active
|
C
|
B
|
C
|
B
|
CMPSTPP106
|
PPP - Prepayment penalty exceeds maximum allowed (%)
|
No
|
Prepayment penalty exceeds maximum allowed. PPP expired.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401681
|
XXXXXX
|
TN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Documentation
|
Active
|
D
|
D
|
D
|
D
|
CMPDOC796
|
Missing Title
|
Yes
|
Missing title policy, not paid on HUD
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401681
|
XXXXXX
|
TN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP314
|
TILA - Final TIL not dated, unable to confirm timely delivery
|
No
|
Final TIL not dated, unable to confirm timely delivery
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1443385
|
XXXXXX
|
AL
|
(No Data)
|
ATR/QM: Not Applicable
|
C
|
B
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Active
|
C
|
B
|
C
|
B
|
CMPFINT106
|
Finance charge understated by more than $100 (Pmt Stream)
|
No
|
Final TIL disclosed finance charges of $XXX, per XXX pay stream calculations, finance charges are $XXX,resulting in understated finance
charges of $-844.89. Unable to determine source of understatement, missing TIL Itemization.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401697
|
XXXXXX
|
CA
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Documentation
|
Active
|
D
|
D
|
D
|
D
|
CMPDOC225
|
Missing Rider
|
Yes
|
Missing ARM rider
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
|
XXXXXX
|
6401697
|
XXXXXX
|
CA
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Federal Consumer Protection
|
Active
|
C
|
B
|
C
|
B
|
CMPFDCP312
|
TILA - Final TIL Date after actual transaction date
|
No
|
Final TIL and ROR were dated XXX and Notary date was XXX
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
(No Data)
|
|
XXXXXX
|
6401697
|
XXXXXX
|
CA
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Right of Rescission
|
Active
|
C
|
B
|
C
|
B
|
CMPROR1911
|
Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
|
No
|
H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401672
|
XXXXXX
|
FL
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP300
|
HMDA Rate Spread greater than threshold
|
No
|
HMDA Benchmark Date 10/XX/2005 Test APR XX.XX% HMDA Benchmark Rate XX.XX HMDA Benchmark/APR Variance 3.078 HMDA Rate Spread Trigger 3.000
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401672
|
XXXXXX
|
FL
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
RESPA
|
Active
|
B
|
B
|
B
|
B
|
CMPRESPA3016
|
RESPA - GFE Not in File
|
No
|
GFE not in File
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401676
|
XXXXXX
|
NJ
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP314
|
TILA - Final TIL not dated, unable to confirm timely delivery
|
No
|
Final TIL not hand dated by borrower, unable to confirm timely delivery.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401676
|
XXXXXX
|
NJ
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP849
|
TILA - Required ARM Loan Program Disclosure missing
|
No
|
Missing Required ARM Loan Program Disclosure.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401687
|
XXXXXX
|
NJ
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
RESPA
|
Active
|
D
|
D
|
D
|
D
|
CMPRESPA855
|
RESPA - Missing HUD 1/1A Settlement Statement
|
Yes
|
Missing HUD 1/1A Settlement Statement.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401730
|
XXXXXX
|
PA
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
D
|
B
|
D
|
Compliance
|
Documentation
|
Active
|
N/A
|
D
|
N/A
|
D
|
CMPDOC1817
|
Final HUD-1 is incomplete or illegible
|
Yes
|
HUD marked final but has no signatures from borrowers or settlement agent. Fees captured for testing.
|
9/27/18 - Unexecuted final HUD-1 provided.10/2/18 - Unexecuted final HUD-1 provided.
|
9/27/18 - Exception remains. Missing Final HUD-1 signed or stamped by settlement agent. 10/2/18 - Exception remains. Missing Final HUD-1
signed or stamped by settlement agent.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401730
|
XXXXXX
|
PA
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
D
|
B
|
D
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP300
|
HMDA Rate Spread greater than threshold
|
No
|
Test APR of XX.XX% with HMDA Benchmark Rate of XX.XX% causing variance of 6.954% which exceeds HMDA Rate spread Trigger of 3.000.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401730
|
XXXXXX
|
PA
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
D
|
B
|
D
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP849
|
TILA - Required ARM Loan Program Disclosure missing
|
No
|
Missing ARM Loan Program Disclosure.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401731
|
XXXXXX
|
AL
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP300
|
HMDA Rate Spread greater than threshold
|
No
|
Test APR XX.XX% with HMDA Benchmark Rate XX.XX% causing HMDA Benchmark/APR Variance 5.203% which exceeds HMDA Rate Spread Trigger 3.000.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401603
|
XXXXXX
|
LA
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP314
|
TILA - Final TIL not dated, unable to confirm timely delivery
|
No
|
The Final TIL not hand dated by borrower.
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
|
XXXXXX
|
6401603
|
XXXXXX
|
LA
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
State Late Charges
|
Active
|
B
|
B
|
B
|
B
|
CMPSLC1127
|
Late Charge percentage exceeds regulatory limits
|
No
|
The late charge per Note late charge for overdue payments is 10.0% after 10 days. Max regulatory limits are: For loans secured by the
borrower's principal residence or second home the maximum is 5% of payment more than 10 days late.
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
|
XXXXXX
|
2113327
|
XXXXXX
|
PA
|
(No Data)
|
ATR/QM: Not Applicable
|
A
|
A
|
A
|
A
|
|||||||||||||||
|
XXXXXX
|
6401717
|
XXXXXX
|
LA
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP300
|
HMDA Rate Spread greater than threshold
|
No
|
Test APR rate is XX.XX%, - the benchmark rate is XX.XX% = resulting in a difference of 5.72% This exceeds the rate threshold of 3.0%.
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
|
XXXXXX
|
6401717
|
XXXXXX
|
LA
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
RESPA
|
Active
|
B
|
B
|
B
|
B
|
CMPRESPA3016
|
RESPA - GFE Not in File
|
No
|
Missing GFE's
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
|
XXXXXX
|
2119647
|
XXXXXX
|
IN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
C
|
D
|
C
|
Compliance
|
APR Tolerance
|
Active
|
B
|
B
|
B
|
B
|
CMPAPRT110
|
APR - Insufficient Information for APR-Payment Stream Testing
|
No
|
Missing FHA renewal information.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
2119647
|
XXXXXX
|
IN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
C
|
D
|
C
|
Compliance
|
Documentation
|
Active
|
C
|
C
|
C
|
C
|
CMPDOC2033
|
Mortgage Insurance required but MI Certificate is missing
|
Yes
|
Missing FHA MI cert.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
2119647
|
XXXXXX
|
IN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
C
|
D
|
C
|
Compliance
|
Documentation
|
Active
|
D
|
B
|
D
|
B
|
CMPDOC155
|
Application Missing
|
No
|
Missing application
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
2119647
|
XXXXXX
|
IN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
C
|
D
|
C
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP307
|
TILA - Missing TIL at application
|
No
|
Missing initial TIL
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
2119647
|
XXXXXX
|
IN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
C
|
D
|
C
|
Compliance
|
Federal Consumer Protection
|
Active
|
C
|
B
|
C
|
B
|
CMPFDCP316
|
TILA - Stated Loan Term not equal to the TIL Payment term
|
No
|
Missing TIL
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
2119647
|
XXXXXX
|
IN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
C
|
D
|
C
|
Compliance
|
Federal Consumer Protection
|
Active
|
D
|
B
|
D
|
B
|
CMPFDCP308
|
TILA - Missing TIL at closing
|
No
|
Missing TIL
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
2119647
|
XXXXXX
|
IN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
C
|
D
|
C
|
Compliance
|
RESPA
|
Active
|
B
|
B
|
B
|
B
|
CMPRESPA3016
|
RESPA - GFE Not in File
|
No
|
Missing GFE
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
2119647
|
XXXXXX
|
IN
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
C
|
D
|
C
|
Compliance
|
RESPA
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPRESPA855
|
RESPA - Missing HUD 1/1A Settlement Statement
|
No
|
Missing HUD
|
10/26/2017- Hud-1 Provided.
|
10/26/2017 - Exception Satisfied.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1537103
|
XXXXXX
|
TX
|
(No Data)
|
ATR/QM: Not Applicable
|
C
|
B
|
C
|
B
|
Compliance
|
APR Tolerance
|
Active
|
C
|
B
|
C
|
B
|
CMPAPRT101
|
APR - Irregular pmt loan; underdisclosed APR > 0.250%
|
No
|
TIL APR disclosed as XX.XX%. APR calculates to XX.XX%.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1537103
|
XXXXXX
|
TX
|
(No Data)
|
ATR/QM: Not Applicable
|
C
|
B
|
C
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP849
|
TILA - Required ARM Loan Program Disclosure missing
|
No
|
ARM Loan Program Disclosure missing from file
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1537103
|
XXXXXX
|
TX
|
(No Data)
|
ATR/QM: Not Applicable
|
C
|
B
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Active
|
C
|
B
|
C
|
B
|
CMPFINT106
|
Finance charge understated by more than $100 (Pmt Stream)
|
No
|
TIL finance charge disclosed as $XXX, calculates to $XXX.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
1537103
|
XXXXXX
|
TX
|
(No Data)
|
ATR/QM: Not Applicable
|
C
|
B
|
C
|
B
|
Compliance
|
RESPA
|
Active
|
B
|
B
|
B
|
B
|
CMPRESPA3016
|
RESPA - GFE Not in File
|
No
|
GFE missing from file
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401601
|
XXXXXX
|
NC
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP300
|
HMDA Rate Spread greater than threshold
|
No
|
The test APR is XX.XX%, the benchmark APR is XX.XX% which results in a difference of 7.274% which exceeds the maximum allowed of 3.0%.
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
|
XXXXXX
|
6401611
|
XXXXXX
|
AL
|
(No Data)
|
ATR/QM: Not Applicable
|
C
|
B
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Active
|
C
|
B
|
C
|
B
|
CMPFINT106
|
Finance charge understated by more than $100 (Pmt Stream)
|
No
|
Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX,resulting in understated finance
charges of $-275.00. Understatement due to lender did not include settlement closing fee of $275.00 in calculations.
|
(No Data)
|
Applicable Statute of Limitation has expired. Final grade B, non-material.
|
(No Data)
|
(No Data)
|
|
XXXXXX
|
6401613
|
XXXXXX
|
FL
|
(No Data)
|
ATR/QM: Not Applicable
|
A
|
A
|
A
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
N/A
|
A
|
N/A
|
A
|
CMPMAN2478
|
Missing Legal Documentation
|
No
|
Missing Final Title Policy.
|
11/21/17 - final title received
|
11/24/17 - satisfied
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401616
|
XXXXXX
|
FL
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP300
|
HMDA Rate Spread greater than threshold
|
No
|
Test APR XX.XX% HMDA Benchmark Rate XX.XX HMDA Benchmark/APR Variance 5.756 HMDA Rate Spread Trigger 3.000
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401616
|
XXXXXX
|
FL
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP309
|
TILA - Final TIL not Executed
|
No
|
Final TIL is not executed or dated by borrowers.
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
|
XXXXXX
|
6401616
|
XXXXXX
|
FL
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP314
|
TILA - Final TIL not dated, unable to confirm timely delivery
|
No
|
Final TIL is not executed or dated by borrowers.
|
(No Data)
|
(No Data)
|
(No Data)
|
(No Data)
|
|
XXXXXX
|
6401617
|
XXXXXX
|
OH
|
(No Data)
|
ATR/QM: Not Applicable
|
D
|
D
|
D
|
D
|
Compliance
|
Documentation
|
Active
|
D
|
D
|
D
|
D
|
CMPDOC1819
|
Estimated HUD-1 in File, Missing Final HUD-1
|
Yes
|
Missing final HUD-1- Estimated HUD1 only in file. Fees captured from Estimate. HUD1 not signed by title company.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401618
|
XXXXXX
|
OH
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP300
|
HMDA Rate Spread greater than threshold
|
No
|
Test APR of XX.XX% with HMDA Benchmark Rate of XX.XX% causing variance of 5.968% which exceeds HMDA Rate spread Trigger of 3.000.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401618
|
XXXXXX
|
OH
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
Federal Consumer Protection
|
Active
|
B
|
B
|
B
|
B
|
CMPFDCP849
|
TILA - Required ARM Loan Program Disclosure missing
|
No
|
TILA - Required ARM Loan Program Disclosure missing.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401618
|
XXXXXX
|
OH
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
RESPA
|
Active
|
B
|
B
|
B
|
B
|
CMPRESPA3016
|
RESPA - GFE Not in File
|
No
|
RESPA - GFE Not in File.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
|
XXXXXX
|
6401618
|
XXXXXX
|
OH
|
(No Data)
|
ATR/QM: Not Applicable
|
B
|
B
|
B
|
B
|
Compliance
|
State Prepayment Penalty
|
Active
|
B
|
B
|
B
|
B
|
CMPSTPP302
|
PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed
|
No
|
PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|